OtherVerified
Reviewed and published by trentmaziarz, July 9, 2026. Discovered and drafted by our automated research pipeline.
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.
Details
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.
Products affected
Sertifi by Flywire (Authorizations)Sertifi by Flywire (Payments)
Sources & Evidence
Company Disclosure
Cite this record
Trace Foundation. (2026). Flywire: 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 (data as of 2026-07-09) [Data set record]. AI Trace. https://www.aitrace.org/r/practice/2894d174-bdb9-4fc3-9dfe-62024eb03276. Accessed October 7, 2026.
- Stable link
- https://www.aitrace.org/r/practice/2894d174-bdb9-4fc3-9dfe-62024eb03276
- Data as of
- July 9, 2026
- Last verified
- Not recorded
Other practices by Flywire
Data AnalysisFlywire offers a cash collection forecasting feature within Invoiced by Flywire that uses AI to analyze invoice data, autopay records, and transaction histories to project future cash flow with weighted probability models. Finance teams use these predictions to anticipate when payments will arrive and which accounts need attention.ProductivityFlywire uses AI-assisted tooling internally to help its software development teams write code faster, automate routine engineering tasks, and improve code quality. This practice is part of Flywire's broader 'AI-first mindset' described by its Chief Product Officer.ProductivityFlywire offers Smart Chasing, an AI system within Invoiced by Flywire that automatically selects the optimal channel, message, and timing for following up with overdue accounts based on each customer's payment history. The platform also uses generative AI to compose personalized collection messages referencing specific invoices and customer context.
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