Protect Partner Earnings from Account Takeover and Payout Diversion

Sunny’s Eats Change Bank Account Business

Log outDelivery Manager

Home

Stores

Orders

Performance

Customers

Reports

Enter your new account details.

Account holder’s name

9-digit routing number

Bank account number

Submit

Next payout: Tuesday, October 29

Amount: $2,348.75

The Problem

Bad actors are breaking into restaurant dashboards, adding fraudulent bank accounts, and rerouting

payouts. Every diverted payout creates losses for your platform, damages partner trust, and drives costly

support escalations.

How Socure Solves It

Account takeover isn’t a single event. It’s a chain of micro-decisions that unfold across multiple

touchpoints. Detecting it requires connecting signals across identity, device, network, and behavior to

make the right call instantly and accurately.

Socure’s RiskOS™ platform lets you quickly build and deploy risk-based workflows that detect fraud and

manipulation across every partner touchpoint—from login to payout.

By combining 20+ industry-leading Socure data products with 100+ partner integrations in a single

orchestration layer, the platform’s intuitive drag-and-drop design empowers your team to craft custom

flows and write and test rules that fit your needs —  no engineering resources required.

Sunny’s Eats Change Bank Account Business

Log outDelivery Manager

Home

Stores

Orders

Performance

Customers

Reports

Enter your new account details.

Account holder’s name

9-digit routing number

Bank account number

Submit

Next payout: Tuesday, November 4

Amount: $5,235.75

Bank Account Status Verified

Bank Account Ownership Mismatch

Account takeover stopped

Stop Account 
 Takeover at Login Login is the first line of defense against account

takeover. A single compromised credential can

expose restaurant dashboards, partner earnings,

and payout details. Socure helps platforms instantly

separate trusted logins from fraudulent sessions

without adding friction to the experience.

Digital Intelligence +

Silent Network Authentication (SNA)

1

Recommended Solutions

2 Step up-actions:

One-Time Passcode + Email RiskScore +

Phone RiskScore + Predictive DocV

Passively analyzes device and network signals

to see if the device, location, and IP match the

restaurant’s normal login patterns.

Detects suspicious behavior, flagging things like

impossible travel, proxy use, or devices tied to

known fraud.

Triggers step-up authentication when needed,

automatically routing users for additional

verification if the session looks risky.

What Socure Does

Result

Bad actors are stopped before they access the

restaurant dashboard, while trusted partners

enjoy the same seamless login experience.

Prevent Earnings 
 Theft at Account Change Once logged in, fraudsters will move quickly to

change payout details and divert earnings.

Verifying these changes in real time is critical to

stop losses before they occur while keeping the

payout process fast for legitimate restaurant

partners.

Digital Intelligence + Account Intelligence +

Sigma First-Party Fraud

1

Recommended Solutions

2 Step up-actions:

One-Time Passcode + Predictive DocV

Passively analyzes device, IP, and session

behavior during the payout-account change to

detect signs of takeover or social engineering.

Verifies that the new payout account is real,

open, and able to receive funds using only

name, routing, and account number.

Confirms the account is owned by the same

restaurant or authorized owner on file, and

is in good standing.

Triggers step-up verification only when

risk is detected.

What Socure Does

Result

The request to add a new, fraudulent payout

account is blocked, and trusted restaurant

partner’s accounts are verified instantly — no

micro-deposits or bank logins needed.

Protect Call

Center Agents from Social Engineering Fraudsters often impersonate restaurant owners to

convince agents to update payout details. Socure

equips call center teams with real-time intelligence

to instantly verify callers and make confident

decisions before any changes are made.

Phone RiskScore + Digital

Intelligence + Predictive DocV

1

Recommended Solutions

Evaluates the caller’s phone number in real time

to confirm ownership and flag signs of risk such

as SIM swaps, VoIP numbers, and more.

Enables the call center agent to send a secure

SMS link for step-up verification if required or

when risk is detected.

Performs passive device and location checks as

the link is opened to confirm the session

originates from a trusted device.

Runs an automated document verification flow

to validate the legitimate restaurant partner

within seconds.

What Socure Does

Result

Fraudulent callers are stopped before they can

reroute payouts, while real partners are verified

instantly through a fast, automated process

that empowers your call center agents to act

with confidence.

Why Socure Unmatched Account Coverage

Delivers 95% account status and 78% account ownership coverage across traditional banks, credit unions, community banks, and fintechs to support a more diverse user base.

Speed to Go-Live

Offers drag and drop, no-code orchestration and decisioning platform with 20 best-in-class identity and fraud solutions, with 100+ partner integrations available.

Holistic, Layered Defense

Combines identity, device, and account intelligence in a single automated flow to assess risk from every angle—at login, payout change, and support channels.

Trusted by Top Brands

Powers real-time, accurate identity and fraud decisions at scale for the world’s leading marketplaces, financial institutions, fintechs, gaming operators, and government agencies.

Ready to get started? Protect your restaurant partners and brand with Socure.

Get started