Flywire uses an AI and machine learning fraud detection engine, trained on millions of transactions, to detect anomalous payments across its global payment network and escalate flagged activity to human compliance analysts. The system covers ACH, check, card, and wire transactions.

Flywire's 2024 Annual Report (10-K) confirms that its 'AI and ML enabled fraud detection risk engine has trained against millions of automated clearing house (ACH), check, card, and wire transactions.' Machine learning algorithms analyze transaction activity and user behavior to identify potentially fraudulent transactions in real time. Flagged payments are escalated to Flywire's Compliance and Operations teams for human review rather than being automatically blocked. As of March 2026, Flywire's Chief Product Officer confirmed in a PCI Security Standards Council interview that AI is being incorporated to strengthen fraud detection and anomaly monitoring across global payment flows.