We are at Money20/20 Europe this week. Catch Nicky on stage.
Break the spell of scams.
Accelerate genuine payments.
Tunic Pay combines the right data, user journeys, and intelligence to give banks the full context on every transaction.
By already working with some of the UK's leading banks, we enable real-time insights to power better decisions. Built for all typologies, Tunic Pay helps teams flag scams early, clear genuine payments instantly, and stop fraud before customers feel the impact.
Prevent losses. Empower your ops team. Deliver trust, together.
Fraud prevention beats fraud detection
Our suite of products have been tailored to each step of the payment journey.
Verify
before making the payment
Something feels off?
We help your customers spot scams before they become a threat.
Prevent
with intelligent decisioning
Payment in motion?
We flag risk without blocking
what’s real.
Investigate
for a swift resolution
A threat’s unfolding?
We give your fraud investigators the insights to respond with confidence.
Because APP shouldn’t mean
All Payments Pending
Real-time underwriting
Our ultra-low latency engine surfaces payment risk insights instantly — fast enough to power real-time prevention, not post-mortem reports. Tuned continuously to evolving scam typologies, so you can detect the newest threats before they hit the headlines.
Context-rich insights
Our payment intelligence is tailored to the typology of the threat, enabling more precise prevention strategies than traditional transaction monitoring. By focusing on scam-specific patterns rather than generic risk signals, we help reduce false positives while improving intervention outcomes.
Collective intelligence
Fraud doesn’t stop at your perimeter — neither should your intelligence. Our federated intelligence layer aggregates anonymized insights across institutions to detect emerging scam patterns in real time. Criminals don’t silo themselves — now your defenses don’t either.
Reassuring by design
Every user experience touchpoint is crafted to feel secure and seamless, not suspicious and cumbersome. From microcopy to motion, we turn necessary moments of friction into proof that your bank is protecting you — building trust, not drop-off.
Security that starts at the core
We don’t treat security as a checklist — it’s baked into how we build. All data is encrypted in transit and at rest. Access to systems is tightly controlled, and infrastructure is deployed using secure-by-default cloud practices. We’re committed to full ISO 27001 and SOC 2 alignment — not just for compliance, but to earn our users’ trust every day.
Trust, upgraded
Real-time payments shouldn't mean real-time fraud.
People deserve a financial system that keeps pace with modern life: fast, connected, and secure. But too often, the speed of money has outstripped the safety of the rails it moves on. For many, payments today feel either scammy or painfully slow —surrounded by loud warnings that flag risks everywhere but offer no protection. At Tunic Pay, we’re building the trust infrastructure of the digital economy. That means stopping scams before they reach you, reinforcing confidence in every transaction, and giving people the freedom to pay without fear. Behind every intercepted scam is someone's rent, a small business making payroll, a student striving to learn. And beneath it all: our belief in each other. We bring deep expertise in underwriting and real-time risk assessment, using AI to make smarter, faster decisions at scale. We are partnered with some of the largest UK banks. In the end, it’s not just about blocking fraud—it’s about making trust the default.
