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Stop Fraud Before the Money Moves
Fraud prevention built into insurance payments helps carriers stop suspicious premium and claims activity before funds move, without slowing legitimate transactions. One Inc delivers embedded controls across its connected payments network to protect funds, policyholders, claimants, and vendors today, with continued investment in AI-powered capabilities as fraud risks evolve.
Proactive Approach
We Help Protect the Payments Ecosystem
One Inc delivers an embedded fraud prevention layer across insurance payments. Controls such as BIN Blocking and Velocity Controls help carriers stop high-risk card transactions and irregular payout activity before funds move. As part of One Inc's ongoing investment in payment security, future enhancements will expand protection with capabilities such as transaction risk scoring, device intelligence, and step-up authentication.
Purpose-built for insurance, these controls are embedded directly within One Inc payment workflows to preserve a fast digital experience while giving risk, fraud, and operations teams clearer visibility when suspicious activity is detected.
Increasing Risk
A Growing Financial & Security Threat
Fraud tactics grow more sophisticated every day. Because of these threats, you need an active defense strategy to protect your business.
Projected global fraud losses by 20371
Account takeover fraud in 20242
YoY growth of account takeovers2
Fraud Prevention Capabilities
Velocity Controls
Limits the aggregated payment amount of a payment method allowed within a specific time window. These controls detect rapid, repeated activity that may indicate fraud, card testing, or abuse.
BIN Blocking
Blocks or restricts transactions from specific Bank Identification Number (BIN) ranges. This tool stops transactions from high-risk regions, card types, or issuers known for elevated fraud rates.
Fraud Detection System (FDS)
A proprietary, rules-based system that monitors payment, claim, and disbursement patterns against account history to flag high-risk activity for One Inc's Risk Management team to investigate.
AI-Powered Roadmap
One Inc continues to invest in additional fraud prevention capabilities, including risk scoring, device intelligence, and step-up authentication, to help carriers adapt as fraud tactics become more sophisticated.
Human Expertise
Expert Oversight When Risk Is Detected
When our system identifies suspicious activity, our experienced risk specialists investigate quickly. They work directly with your team. They mitigate impact, support remediation, and reduce future exposure across our unified platform and payments network.
Outbound Payments
Secure Your Claims Disbursements
Protect claims disbursements with real-time fraud controls that validate recipients, monitor payment activity, and help stop suspicious transactions before funds are released.
One Inc's Fraud Detection System (FDS) analyzes claim and payment patterns against account history to flag high-risk exceptions, alerting our Risk Management team to investigate and work with your team to mitigate exposure.
ClaimsPay® also helps reduce vendor and third-party fraud through secure portal access, bank account ownership validation, and complete payment activity logs that support audits and regulatory requirements.
Inbound Transactions
Safeguard Premium Payments in All Chanels
Advanced card fraud controls, including BIN Blocking and Velocity Controls, help reduce suspicious payment activity while preserving a seamless payment experience across web, mobile, IVR, Apple Pay, Google Pay, and recurring AutoPay channels. Sensitive payment data is encrypted and tokenized, removing it from your environment to limit compliance exposure and shrink audit scope.
Behind those controls, One Inc's Fraud Detection System (FDS) monitors premium payment activity against your account history using proprietary rules built on sophisticated technology and historical data, identifying suspicious patterns across sales activity, authorization declines, transaction volume, country of origin, BIN concentration, and BIN testing. Skilled risk specialists are alerted to high-risk exceptions and take preventative measures quickly, minimizing losses while keeping the payment experience seamless for policyholders.
With PremiumPay®, you can confidently deliver a seamless premium payment experience backed by advanced fraud prevention built for insurance.
The Promise of Insurance
A Secure Payments Network Built for Insurance
One Inc is not a basic payment processor. It is a connected payments network and configurable platform built for insurance. From premium collections to claims and vendor disbursements, One Inc embeds fraud controls into payment workflows so carriers can protect funds, preserve trusted customer experiences, and deliver on the promise of insurance.
Proven Results
Fraud Losses on PremiumPay® Year Over Year Since Inception.
Reduction in Loss Rate on ClaimsPay® Year Over Year
Gain Peace of Mind with Advanced Fraud Prevention Tools
Protect your policyholders from fraud today. One Inc’s team of fraud prevention experts is here to secure your payments ecosystem without causing friction for your customers.
Common Questions About Combating Payment Fraud
How does One Inc protect against vendor fraud?
Today, One Inc's vendor fraud prevention combines pre-enrollment onboarding, bank account ownership validation, secure vendor portal access, and velocity controls on payout activity — so funds reach the correct business within our vendor network of over one million pre-enrolled participants. When activity looks irregular, our risk specialists investigate before funds are released. Planned enhancements include transaction risk scoring, device intelligence, and step-up authentication.
Will fraud controls slow down claim payments?
No. Fraud controls are embedded directly in One Inc payment workflows and evaluate activity in real time, preserving a fast digital experience. Only flagged transactions trigger additional review by our risk specialists. Carriers can expect to see no measurable change in claim cycle time after enabling One Inc's fraud controls.
How does One Inc help stop account takeovers?
Account takeover defense starts by removing sensitive payment data from the equation: card data is encrypted and tokenized, and One Inc processes payments only from verified carrier environments. Velocity Controls and BIN Blocking limit the rapid, repeated card activity that typically follows a credential compromise, and our risk specialists investigate when suspicious activity is detected. As part of One Inc's AI-powered roadmap, device intelligence and step-up authentication will add session-level signals to stop takeovers even when credentials have been stolen.
