Flywire offers AI-powered fraud detection tools bundled with every subscription to Sertifi by Flywire's credit card authorization solution, used by over 20,000 hospitality businesses. The system analyzes each submitted credit card and assigns an A-F risk score to help hotel staff decide whether to accept or reject a transaction.

When a guest submits credit card information via a Sertifi authorization form, the system collects hundreds of data points including card details, payer IP address, email, and billing address, then analyzes them using two types of machine learning models — supervised and unsupervised — powered by Kount, an Equifax company. The output is an A-F fraud risk score with actionable insights indicating specific risk factors. Hotel staff retain the authority to accept or deny transactions based on the score. Flywire acquired Sertifi LLC in February 2025 for $330 million.