Welcome to unclear.ai
Fraud scoring for the batches you already have
Unclear scores every transaction in a batch for fraud risk, so your analysts can review what's suspicious instead of combing through everything. Send a file and get a scored, reviewable run in minutes.
How Unclear works
Four steps, start to finish.
01
Send a batch
Upload a file, drop it via SFTP, or push it through the API.
02
Unclear scores it
Every transaction is scored 0–100 and sorted into a risk band.
03
Review the flags
Triage flagged transactions, fraud rings, and decline patterns.
04
Track trends
Watch your portfolio's risk move over time across runs.
What the scores mean
Every transaction lands in one of three bands so your team can triage fast.
Low
Likely legitimate. Move past these.
Review
Warrants a look. Spot-check these.
High
Strong fraud signals. Focus here first.
Three ways to send transactions
Most customers start with a portal upload, then move to SFTP or API once they're running regularly.
Upload Start here
Drop a CSV or XLSX right here in the portal. Best for ad-hoc batches and your first run.
SFTP
Drop files into your watched folder and they ingest and score hands-off. Best for automated, recurring batches. Ask your admin for the folder binding.
API
Push batches programmatically from your own pipeline with a bearer key. Best for tight integration.
What you'll be able to see
Once you have a run, these are the views in the left rail.
Flagged
Scored transactions, filterable by band, score, amount, and merchant.
Run summary
Totals, score distribution, and the flag rate for a run.
Rings
Transactions linked by shared signals that suggest coordinated fraud.
Decline patterns
A breakdown of decline codes across the batch.
Trend
Your portfolio's risk over time, across every run.
Ask Unclear
Recent questions
Ask a question and Unclear will answer from your merchants' scored data — across the whole portfolio or a single run.
Answers are grounded in your merchants' reports only. Unclear won't invent numbers it can't see.
| Score | Band | Occurred | Amount | Card | Merchant | Factors | Ring |
|---|
Score distribution
Top score factors
Detected rings
| Ring | Shared entity | Value | Members | Exposure |
|---|
Decline class breakdown
Top raw codes
| Processor | Raw code | Class | Count |
|---|
Portfolio trend
HighReviewLow
By period
| Period | Runs | Scored | High | Flag rate | Avg score | Ring exposure |
|---|
| Severity | Time | File | Stage | Message |
|---|
Upload transactions
Drop a file here, or browse
CSV, XLSX, or XLS for one batch — or a ZIP of many merchants' files. Up to 50 MB
—Uploading…
Scored
Batch received
| File | Merchant | Resolved by |
|---|
Other ways to ingest
SFTP drop-folder
Drop files into your watched folder; they ingest and score hands-off. Ask your admin for the folder binding.
API
POST /uploads with a multipart file field and a bearer API key. Poll /uploads/:id, then POST /uploads/:id/score. For many merchants at once, POST /batches with a ZIP.
This page
Upload directly in the browser — scored on your tenant's active profile and added to your runs.
Plan & billing
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Report branding
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Alert notifications
Alerts go to your account email. Each run sends at most one summary — matched values are never included; the email links back here to review them.
Add to watchlist
90
Cards are matched on BIN + last 4 (a supporting signal, not an exact-card block). Emails are hashed on our server before storage — the raw address is never kept.
Current entries
| List | Type | Value | Weight | Reason | Source | Expires | Added |
|---|
Watchlist alerts
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Matched transactions
| Score | Band | Occurred | Amount | Card | Merchant | Matched on |
|---|
Merchants
| Merchant | ID | Category | Region | Transactions | Baseline |
|---|
Merchant
Saved
Baseline
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Outcome history
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Declared override
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Baseline reconciliation
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Baseline drift
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Batch reports
| Batch | Files | Merchants | Status | Uploaded |
|---|
Batch
By merchant
| Merchant | Transactions | Avg score | High | Review | Status |
|---|
Shared across merchants
| Type | Value | Merchants | Occurrences |
|---|