New Products and Services

Scam Transaction Monitoring

Scam Transaction Monitoring is a new Thredd Fraud Transaction Monitoring FTM) service. The new service covers account to account payments, and when combined with FTM, gives you a full view across your customer's payments.

The service offers maximum protection with minimal investment, working out-of -the-box from day one and continuing to become more tailored and accurate as the AI model learns from your transaction data. It keeps you ahead of changing regulations such as PSR in the UK, and helps you protect your account holders from incurring losses from push payment fraud, saving time and money. Features:

  • Works without historical data

  • Requires no sensitive data - only the payment message

  • Monitors inbound and outbound payments

You can purchase Scam Transaction Monitoring as an add-on to Fraud Transaction Monitoring, or as a standalone purchase. For more information contact your Account Manager.

Figure: Scam Transaction Management on the Thredd Fraud Transaction Monitoring Portal

Release status: Available to all clients.

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Global Reporting

The Thredd platform provides comprehensive and scalable global reports, to meet your regulatory reporting requirements in whatever region you are issuing cards. Reports contain all key attributes of a processed transaction, and are broken into smaller, easily consumable items, which separate clearing from non-clearing data. Reporting frequency is flexible, to meet your program needs, without dependency on scheme cycles.

We offer three types of daily reports:

  • Non-Clearing XML reports — containing scheme authorisation data (such as authorisation requests, advices and reversals)

  • Clearing XML reports — containing card scheme financial data (such as presentments, chargebacks and other financial messages)

  • Balance XML reports — containing details of the balance held on the card, including balances on cards that have had money movement in the last two days (where Thredd holds the balances)

Release status: Available. For details, please contact your account manager.

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US Debit

For existing Thredd clients wanting to launch a card service in the US, Thredd released support for US debit card processing.

Thredd uses Mastercard Network Exchange (MNE), which provides a gateway service to enable access to US networks, such as STAR and Pulse.

US networks predominately operate the Single Message System (SMS) standard for authorisation and presentment message processing. To make it easy for existing clients to operate in the US using their existing Thredd integration to the Thredd Platform, we have upgraded our External Host System (EHI) to send messages compliant with the Single Message System standard to your systems.

Release status: Available. For details, please contact your account manager.

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Discover Global Network

For existing Thredd clients wanting to launch a card service on the Discover Global Network (DGN), Thredd can now support debit card processing for DGN network card brands, such as Diners International cards which are popular for the travel sector. Extend your capabilities to include the Discover Global Network without disrupting existing operations. Below are some of the benefits of offering Discover Global Network cards:

  • Grow your business and attract new cardholders by becoming an issuer for Diners Club®

  • Extend your reach. Accept 305M+ global cardholders. Open your business to more cardholders from more parts of the world ready to spend

  • Tap into one of the fastest growing global payments networks with 25+ Network Alliances

  • Access to a wider network reach, enhanced commerce experiences, and the ability to leverage Discover's expertise and capabilities.

Release status: Available. For details, please contact your account manager.

This service is currently limited to Virtual Cards only. We are planning to release additional functionality during Q1-Q2 2025.

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