Stop ACH fraud in real time
ACH payments continue to grow rapidly, increasing the potential for fraud across origination and receipt channels. In Q3 2025, the ACH Network processed 8.8 billion payments totaling $23.2 trillion—year-over-year increases of 5.2% in volume and 8.2% in value, according to Nacha (Nacha).
As ACH fraud increases with payment volume, it is important to find fraudulent credits and debits before processing. This helps reduce losses and protect customers. Abrigo Fraud Detection analyzes ACH files upon arrival to identify fraud in real time, streamlining investigations, improving efficiency, and supporting compliance with the Nacha risk management framework.
Features and advantages of ACH fraud detection software
Smarter ACH fraud defense
Abrigo Fraud Detection is an AI-powered platform. Our ACH fraud detection capabilities combine real-time analysis, behavioral analytics, and configurable rules to help institutions detect fraud faster and minimize losses.
Unified ACH data
Ingest ACH data from multiple systems for a unified view and improved fraud detection accuracy.
Advanced real-time detection engine
Identify high-risk patterns using behavioral analytics, including mule activity, fan-out behavior, unusual timing, and more.
Self-service rules creation and configuration
Activate best-practice rules instantly or build custom rules tailored to your institution’s risk profile to make swift decisions.
Complete transaction view
Generate transaction-level alerts that consolidate triggered rules into one case for faster, clearer reviews.
Enhanced verification and authentication
Integrate external account and customer verification to confirm transactions and reduce false positives.
Expanded oversight
Get complete ACH protection by using Abrigo Fraud Detection’s real-time orchestration engine with BAM+’s ACH fraud scenarios. This gives fraud and BSA teams a unified view of risk.
ACH credits (47%) and debits (20%) were among the most targeted payment types for Business Email Compromise (BEC) fraud, survey data shows. (Association for Financial Professionals)
Integrated systems with Abrigo
Financial crime systems built for your institution
Breaking down silos between fraud detection and AML
Abrigo is dedicated to supporting banks and credit unions in the fight against financial crime. With Abrigo’s comprehensive financial crime solutions and services that include AI-powered fraud detection software and AML software, you can collaborate across teams to better detect, manage, and resolve suspicious financial activity throughout your institution.
Resources on Fraud Detection
Nacha 2026
Guide - Fraud monitoring rules
Read about the shift in ACH risk management, and the requirement for risk-based fraud monitoring.
Rising ACH fraud
Blog - How financial institutions can stay ahead
Take a look at how ACH fraud threats are becoming more sophisticated, and how financial institutions can recognize these risks early, and ensure appropriate plans are in place.
The road to fraud detection
Infographic - Manual vs. automated fraud monitoring
Wondering where the delays and missed signals in your fraud detection processes occur? Take a look to see the real-word journey of a fraudulent transaction.
