Marqeta Inc. (NASDAQ: MQ) announced it has enhanced its Real-Time Decisioning offering with an AI-powered risk score that analyzes transaction risk levels during the authorization process. The new capability aims to help customers prevent payment fraud while reducing false declines.

The risk score analyzes transaction data from Marqeta's card programs and evaluates more than 300 real-time transaction attributes against historical behavioral patterns. The system automatically adapts to cardholder behaviors and market changes, providing millisecond-level response times for risk assessments.

The enhancement is part of Marqeta's RiskControl suite, which includes Know Your Customer services, 3D Secure, Real-Time Decisioning, and disputes management. The platform processes transaction data to detect risk patterns specific to each customer's use cases.

"Today's fraud threats are evolving faster than ever, requiring businesses to keep pace as they scale their card programs," said Anthony Peculic, Marqeta's Interim Chief Product Officer. "By embedding AI-powered controls and advanced machine learning into the authorization process, we enable customers to expand confidently while also strengthening their fraud defense as they scale."

According to Juniper Research data cited in the announcement, global payment fraud is expected to increase by 153% between 2025 and 2030. Marqeta's platform combines authorization rules with machine learning to identify fraud patterns and address emerging threats.

Marqeta reported processing nearly $400 billion in annual payments volume in 2025 and operates in more than 40 countries. The information is based on a company press release.