Use casesPayments, neobanks, lending and payout platforms
Step up only the payments that need it
Add a human-presence check to payouts, transfers and account changes, without adding friction for every customer.
Request
Payout to a new beneficiary
To an account added today
Every extra step costs customers. Every missing one costs money.
Blanket step-up annoys good customers. Rules on the transaction alone can't see who is at the controls. HEIP adds that one missing signal, so step-up goes where it's needed.
Why now
- 24%
- of bot attacks in 2025 targeted financial services
- Source: Imperva, Bad Bot Report 2026
- 46%
- of account-takeover incidents were associated with financial services
- Source: Imperva, Bad Bot Report 2026
What you get
- Fewer blanket step-ups for real customers
- Because HEIP checkswhether the session shows a person in control at the payment
- One more input to your fraud decision
- Because HEIP checksand returns allow, step up or deny with reasons your rules can use
- Reviewable decisions for disputes and audits
- Because HEIP checksand keeps a record of each decision with the policy that produced it
- Protection on account changes, not just payments
- Because HEIP checksbeneficiary, email, password and payout-detail changes, each with its own policy
- A rollout your risk team can sign off
- Because HEIP checksin observe mode first, compared against your current controls
Actions to protect
| Action | Suggested policy | On step up, you usually |
|---|---|---|
| Payout or transfer | Critical | One-time code, or the strong authentication you already run |
| Adding a beneficiary | Critical | Strong authentication, or hold for review |
| Changing payout details | Critical | Re-authenticate |
| Card or account changes | Standard | One-time code |
| Login after a long idle period | Standard | Re-authenticate |
Policies are named presets you set per action. Critical asks for the most evidence. Fast suits frequent actions that still matter. Standard fits everyday actions. Observe never blocks.
Where it fits
HEIP's answer can decide when to trigger the strong authentication you already have, instead of asking every customer every time.
Works alongside
- Your risk engine and transaction rules
- 3-D Secure and SCA challenges
- Passwords, MFA and passkeys
- Manual review queues
Roll it out on payouts to new beneficiaries
Baseline
Pick payouts to new beneficiaries. Note how they're protected today.
Observe
HEIP decides on real traffic but blocks no one.
Compare
Review its decisions against what you already know.
Enforce
Turn it on for payouts to new beneficiaries only if it earns it.
Most teams go from observe to enforce in 6 to 8 weeks. Observe mode blocks no one while you compare. How onboarding works
Questions
Does HEIP replace 3-D Secure or SCA?
No. It helps you decide when to use them, so the strong check goes to the payments that need it.
Will it add friction to every payment?
No. Customers only see an extra step when HEIP answers step up and your app chooses to ask for one.
Can our risk engine use the answer?
Yes. The decision and its reasons come back to your server, so you can use them on their own or as one more input to your rules.
Can we run it beside our current rules first?
Yes. Observe mode records what HEIP would have decided and blocks nothing, so your risk team can compare before enforcing.
Trust has to move with the action.
When digital actions can be automated, trust must move with them.