top of page

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 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. 

Winner · 2026

Best Use of AI in Fintech

Fintech Awards London: for our multi-agent approach to stopping fraud at the point of payment.

Winner · 2026

Fintech Start-Up of the Year

Fintech Awards London: a double win on the night.

Winner · 2026

The Future of Fraud: Live Pitch Arena

Fraud Leaders' Summit UK, voted the winning pitch live by a room of fraud leaders.

Winner (Silver) · 2025

The Money Awards, Startup

Money20/20, Las Vegas, recognised on the global stage among the year's standout startups.

The work, recognised

We build for the moment nothing happens, the payment that quietly did not leave the account. Every so often, the industry notices too.

also recognised...

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.

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.

Backed by top founders in fraud, AI, and payments

Feedback that fuels us

Brilliant tool which makes identifying fraud risk more efficient and streamlined."
—Investigator, Global Tier 1 bank
It's very easy for our customers to use and has really helped us clear our queue of good payments"
— Ops Leader, Fast Growing UK Fintech
Before using Tunic Pay in April, we had an increase in catch & release. It wasn't good.

But then my team onboarded with Tunic Pay in May, and then suddenly we had 0 catch & release.

That's just invaluable; that's protecting the bank and the funds and the customer. I'm a huge promoter of the tool. I wish we could expand it even more"
—Manager, Top 5 UK Financial Institution

Interested in fighting fraud the smart way?

bottom of page