If you run a digital lender, BNPL platform or NBFC disbursing ₹5Cr – ₹500Cr / month (approx. $600K – $60M) with 0 – 2 fraud or risk FTEs in-house — this page is written for you.
Your External Fraud Unit —
Without the Headcount.
Reduce bad approvals, surface hidden fraud patterns, and give your founders a defensible fraud decision layer — within days, not months.
Most digital lenders and fintechs don't have a full fraud function. Hiring one takes six months and costs $50,000+ a year. Meanwhile, mule accounts, bad approvals, and scam patterns quietly compound. Zarelva is built for that gap — frontline fraud experience from Google, AWS, Flipkart and G2, brought directly to your decision layer.
Fraud loss doesn't announce itself. It compounds — silently, weekly.
Most digital lenders discover the true scale of their fraud exposure only after an NPA spike forces a look at the data. By then, the mule accounts have matured, the patterns are entrenched, and the recovery window has narrowed.
The Snapshot exists for exactly this moment — before the spike, not after. $599 and 48 working hours to know exactly where you stand.
Real outcomes from real engagements.
These are representative findings from past engagements — anonymised to protect client confidentiality.
“Identified $18L/month in recoverable fraud losses within the first 48-hour Snapshot — from data the risk team already had.”
The platform had 3 rules covering onboarding and no coverage on repeat application velocity. A cluster of 47 accounts were driving 38% of first-month delinquency. The Snapshot surfaced the pattern, ranked it by recovery potential, and gave a rule-change recommendation the engineering team shipped in one sprint.
“A mule account ring operating across 3 onboarding cohorts — invisible to the existing rule set, surfaced in week two.”
Weekly pattern review on FPaaS Lite flagged an unusual device-sharing cluster across otherwise low-risk applicants. Cross-referencing against disbursement timing revealed a coordinated mule network. 11 accounts flagged, 8 confirmed fraudulent before disbursement. Estimated $9.4L in prevented loss.
“Decision-logic gaps found in three payment flows. All three had zero rule coverage — their engineering team had assumed the risk engine was handling it.”
Architecture review under FPaaS Advanced mapped the full approve/decline/review logic against realistic attack scenarios. Found 3 unprotected flows where transaction volume exceeded rule thresholds — no alert triggered. Rule-recommendation backlog shipped over 6 weeks. Chargeback rate dropped measurably by month three.
All figures are representative of typical engagement findings. Client names and identifying details are not disclosed — NDA applies to all engagements.
Pick the right entry point.
Start with a Snapshot to test Zarelva risk-free. Scale to Lite or Advanced when you need a steady external fraud lane. All fixed-fee. All under NDA.
- →Targeted review of your top 3 risk surfaces — onboarding, transactions, decision logic
- →Pattern-level read on 30–60 days of transaction data (CSV / dashboard exports, no production access)
- →Top 5 fraud-loss exposures ranked by severity and effort to fix
- →Risk Snapshot Memo — 8–12 page PDF with exposure map, sample evidence, ranked recommendations
- →Prioritised 30 / 60 / 90-day remediation roadmap
- →60-minute walkthrough call with your founder, risk lead or product owner
- →$299 credit applied to FPaaS Lite/Advanced if you upgrade within 30 days
No FPaaS contract. Standalone. $299 credit if you upgrade within 30 days.
Already decided? Pay $599 via PayPal →PayPal · Apple Pay · Debit/Credit card accepted
- →Weekly transaction-pattern review on a representative sample
- →Manual case review on flagged high-risk transactions — up to 100 cases / month
- →Monthly risk-rule recommendation log (what to add, retire, or tighten)
- →Weekly Fraud Summary delivered every Monday by 12:00 IST (PDF)
- →Monthly Insight Memo — loss trends, top attack vectors, rule backlog (PDF)
- →One 45-minute monthly strategy call with your founder or risk lead
- →Dedicated email channel for routine questions and case escalations
- →Living rule-recommendation backlog, version-controlled and shared
- →Everything in FPaaS Lite, with extended capacity
- →Decision-layer review across UPI, BNPL, card and AI-driven workflows
- →Rule and scorecard tuning with measurable target metrics
- →Quarterly fraud-architecture review — controls, data flows and gaps
- →Manual case review — up to 300 cases / month
- →Two 45-minute strategy calls per month + dedicated Slack / Teams channel
- →Monthly Architecture & Decision-Logic Memo (PDF)
- →Quarterly board-style Fraud Posture Report suitable for investors and auditors
At a glance — which tier fits?
Use this to identify your entry point before the discovery call.
| Feature | Snapshot | FPaaS Lite | FPaaS Advanced |
|---|---|---|---|
| Pricing | $599 one-time | $1,800 / mo | $3,500/month + $900 setup |
| Minimum term | One-time | 12 weeks | 12 weeks |
| Case reviews / month | — | Up to 100 | Up to 300 |
| Weekly Fraud Summary | — | ✓ | ✓ |
| Monthly Insight Memo | — | ✓ | ✓ |
| Quarterly Board Report | — | — | ✓ |
| Strategy calls / month | 1 walkthrough | 1 × 45 min | 2 × 45 min |
| Critical case SLA | — | 4 business hours | 2 business hours |
| Slack / Teams channel | — | — | ✓ |
| Rule & scorecard tuning | — | — | ✓ |
| Architecture review | — | — | Quarterly |
| Upgrade credit | $299 to Lite/Advanced | — | — |
| Best for | First engagement / pre-audit | Lean lender · early fintech | Series B+ · payments · NBFC |
What you get, predictably.
Every week, the same rhythm. Every month, a memo your founder can act on.
Decision-layer, not alert-layer.
Most outsourced fraud teams sell hours — queue clearance and manual review. Zarelva sits one level up.
Built for these teams.
Zarelva is sharpest where fraud risk is high, the team is small, and the decisions are systemic.
Not a fit: Pure compliance / KYC outsourcing, 24×7 alert-clearing BPO, organisations that want a fraud platform built and owned by Zarelva, or Series D+ companies with established in-house fraud teams of 5+. We will tell you this in the discovery call — no wasted time.
Answered before the call.
These are the five questions that come up most often in discovery calls and DMs. Answered here so the call can focus on your actual situation.
How is Zarelva different from a fraud BPO or outsourced ops team? +
A fraud BPO clears alert queues — they tell you "approved" or "declined" on individual cases. Zarelva works one layer up: we review and reshape your approve / decline / review logic so fewer bad transactions get through in the first place. Every engagement produces a documented recommendation log your team owns permanently. You're not renting hands — you're getting a decision layer with a paper trail.
Do you replace our in-house fraud or risk team? +
No — and the clients who benefit most are those with 0–2 in-house fraud FTEs, not those with zero intent to build internally. Zarelva fills the gap while your platform scales to the point where a full-time hire makes sense. If you already have an in-house fraud lead, Zarelva works alongside them as a specialist resource — not instead of them.
Is our data safe? What do you actually need access to? +
NDA is signed before any data is shared — always, with no exceptions. For the Snapshot and ongoing FPaaS work, we need CSV exports or dashboard data — not production system access, not database credentials, not API keys. Typical data: transaction logs, onboarding cohort exports, flagged-case history. All data handling terms are written into the Statement of Work before the engagement begins.
Can we do a free pilot or trial before committing? +
The 48-Hour Snapshot at $599 is the trial. It is a fully standalone, no-commitment engagement — you receive a complete deliverable (8–12 page memo, ranked exposures, roadmap) with no obligation to continue. If you find nothing actionable in the Snapshot output, that is an unusual outcome and we discuss it. The $299 upgrade credit makes it economical if you continue to FPaaS. There is no free pilot — our time has a real cost and the Snapshot is already priced to make the first step low-risk.
How quickly do we see results? +
Snapshot clients receive the memo within 48 working hours of full data access — typically 5–6 calendar days from first contact. FPaaS Lite clients receive their first Weekly Fraud Summary within 7 days of onboarding. Rule recommendations that your engineering team can ship typically surface in week two. Measurable impact on approval rates or case volume varies by platform, but most clients see a flagged pattern or a rule recommendation they act on within the first 14 days.
Here's the exact next step — no ambiguity.
Book the 30-minute discovery call. You'll leave knowing whether Zarelva is the right fit, which tier makes sense, and what your top fraud risk surfaces look like — at no cost or commitment.
Book the Call →Email or WhatsApp with "Snapshot" in the subject. We'll send you a 2-page data requirements list and an NDA. No call needed to start the Snapshot.
Typical timeline: Discovery call booked → NDA signed same day → Data shared within 48 hours → Snapshot Memo delivered within 2 working days of data access. Total elapsed time from first contact to deliverable: under 7 days.
We'll tell you if you're losing money — in 30 minutes.
No pitch deck. No generic framework. One call with a fraud operator who has worked the queues at Google, AWS and Flipkart. We'll tell you exactly where your platform is exposed — and whether Zarelva is the right fit. If it's not, we'll say that too.
Or WhatsApp: +91 76768 37358
Gururaj GJ, Founder · MSME-registered · NDA before any data is shared