Reputation Network

Collective Intelligence. Individual Protection

When one merchant learns something, every merchant benefits. The Zyrix network processes 50M+ transactions to protect everyone

How It Works

🌐

Zyrix Network

50M+ tx · 5000+ merchants

BIN Database

Every card BIN ever seen + approval rates per provider

Fraud Patterns

Fraud signatures shared across the network anonymously

Provider Performance

Real-time success rates per BIN per provider

🏪

Your Store

Even with zero history, you get full network intelligence

Network Intelligence in Action

🔍New BIN Detection

12:34

Merchant A (Riyadh) processes BIN 431940 → declined by HyperPay

12:34

Network learns: BIN 431940 + HyperPay = 23% decline rate today (issuer issue?)

12:35

Merchant B (Jeddah) gets same BIN → auto-routed to Moyasar → approved

Time from detection to protection: 47 seconds — all 5000+ merchants protected

🚫Fraud Ring Detection

Day 1

3 merchants report fraudulent cards from the same IP range

Day 1

Zyrix flags IP range 185.xxx.xxx.0/24

Day 2

Merchant D hit from same range → auto-blocked → $3,200 saved

Day 3

47 more attempts from same range → all blocked network-wide

All blocked across the entire network — total saved: $156,000

📡Provider Degradation

14:00

Network detects Tap Payments latency +200ms

14:02

Smart routing deprioritizes Tap

14:05

All merchants auto-routed to alternatives

14:46

Tap resolves → Zyrix gradually restores routing

Impact on merchants: zero downtime, zero manual action

The Zyrix Network

50M+

transactions / month

5,000+

merchants connected

countries covered

2.4M

unique BINs in database

99.7%

fraud detection rate

47 sec

avg time to network-wide protection

🔒 Your Data Is Safe

The Reputation Network uses anonymous, aggregated data only

✅ We share

✓ BIN-level approval rates (not card numbers)
✓ Fraud pattern signatures (not personal data)
✓ Provider performance metrics (public data)
✓ IP reputation scores (not identities)

❌ We never share

✕ Customer personal information
✕ Transaction amounts or details
✕ Merchant identity or business data
✕ Card numbers or CVVs
✕ Customer emails or phone numbers

Compliance: GDPR, KVKK, PDPL, PCI DSS Level 1