North AmericaA merchant platformGood merchants start selling sooner. Bad ones never get in.88%of risky merchants stopped before they go liveRead the storyAccount takeover prevention, before the money moves.
The password is right, the codes arrive, and the account still belongs to someone else.
Monnai checks the phone behind every sensitive action, such as an ownership change or an operator move, so you step up only when the risk is real.
88%of risky merchants stopped before they go liveA merchant platform
How account takeover gets past passwords and codes, and how Monnai stops it.
Today
The right password, the wrong person.
Today
One-time codes, sent to the fraudster.
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Friction for everyone, or for no one.
Account takeover by industry.
How the problem shows up in each industry.
Customer results in account takeover.
What they needed, what they measured, and how.
North AmericaA merchant platformGood merchants start selling sooner. Bad ones never get in.88%of risky merchants stopped before they go liveRead the storyGet answers about account takeover
What is account takeover fraud?
Account takeover (ATO) is when a fraudster gains control of a real customer’s account, often with stolen credentials, then changes its details, adds a payee or moves the money. The password is right, so login checks see nothing wrong.
How does Monnai help prevent account takeover?
Monnai checks the phone number behind every sensitive action. An ownership change, an operator move or a sudden burst of activity on the number reads as a red flag; a number held steadily by the same person for years is a good signal.
Why aren’t one-time codes enough to stop account takeover?
Because the code goes wherever the number goes. Once a number has a new owner or a new operator, your security codes can reach the fraudster. Checking for an ownership change or an operator move before you send a code shows whether the number is still your customer’s.
Which data does Monnai use to check a login or a transfer?
The phone number on the account is enough to start, with nothing for your customer to do. Add the email and the session’s IP address, and Monnai checks them against each other, such as whether the IP matches the phone’s country.
Will takeover checks slow down logins and payments?
No. Phone and email checks answer in a few hundred milliseconds, so they fit before a password reset, a new payee or a large transfer. You step up only when the signals say so, instead of adding friction for every loyal customer.
How do we test account takeover detection before going live?
Send past logins or payments with each customer’s phone number and email, and flag the confirmed takeovers if you have them. Monnai checks the file offline, with no integration on your side, and the full report is yours within 5 business days.
Let us prove it. Test us on your data.
Send past applications or transactions. We score them and send back a full report: every score with its reasons, and the uplift for your portfolio.
5 business days to your full report. We commit to it.