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Before any rupee leaves your system, FraudTrace AI gives you a real-time signal on whether the destination UPI VPA has appeared on fraud sites, gambling platforms, or in mule account clusters. This guide walks you through embedding that check directly into your payment flow — at payee addition, before approving a transaction, or at payout — so high-risk VPAs are caught before money moves.

Integration steps

Log the cluster_id and confidence score alongside your payment record at the time of screening. This creates an immutable audit trail that is valuable for regulatory reporting, chargeback disputes, and internal fraud investigations.

Confidence thresholds reference

What happens next

Once you have a cluster_id from a flagged result, you can retrieve full cluster details — including all associated VPAs and evidence — using the cluster lookup endpoint:
This is useful when your fraud team wants to investigate the broader network a flagged VPA belongs to. See Interpreting Results for a full breakdown of every response field.