Secure AI Architecture for Payments: From Risk Signals to Real-Time Decisions

Most users tap Pay on Android and assume it’s simple. Behind that one tap, your app is juggling PCI rules, device security, fraud checks, and 3DS — usually inside a tight latency budget measured in hundreds of milliseconds.

If all of that logic lives in scattered checks, random API calls, and duplicated business rules, it will eventually break in subtle (and expensive) ways.