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USE CASE

Creating a real-time audit trail of every transaction

Capture every payment sent and received with INETCO Insight® - a systems-independent audit trail you can trust

Creating a real-time audit trail of every transaction

What is a transaction audit trail?

Transaction audit trails provide a detailed, chronological record of every action to ensure financial accuracy, security and compliance. By tracking payments from initiation to completion, audit trails support fraud investigation, performance monitoring, SLA validation, customer dispute resolution and regulatory compliance through irrefutable proof of transaction history. When the payment switch is the only audit trail, a single breach or failure can leave financial institutions and processors without compliant data, increasing exposure to fraud losses, downtime, penalties and legal risk.

 

Track every transaction record with confidence

INETCO Insight independently captures real-time transaction data at the network level, creating a tamper-proof audit trail – without relying on vulnerable payment switches or application logs. Continuously monitor, correlate and lfull transaction journeys across all channels and payment types. Maintain transaction visibility during failures and outages, and provide trusted unaltered evidence for transaction fraud investigations, troubleshooting, disputes and data compliance.

 

MONITOR

Passively capture a copy of raw network packets from multiple points across the network, and reassemble them into complete transactions in real-time – independently monitoring, logging and auditing every transaction with zero performance impact – to reduce the risk of loss from compromised switches, missing data, insider threats or incorrect transaction records

TROUBLESHOOT

Gain instant access to fully decoded message profiles for every payment journey – timestamped from initiation to completion – to accelerate root cause analysis of transaction failures, unexpected declines and anomalous behavior such as card testing attacks, while creating a queryable, audit-ready trail for evidence-based investigation and SLA reporting

ANALYZE

See a detailed, chronological record of every transaction – independent of the switch and other applications – to support fraud investigation, performance monitoring, SLA validation, customer dispute resolution and regulatory compliance – across all channels and payment types

An audit trail untouchable by system errors, outages or logging gaps

Speed up dispute resolution

Gain a real-time, tamper-resistant record of what actually happened – independent of processing systems – so transactions are never lost or altered

Detect fraud and insider threats

Ensure audit logs are not altered by insiders with the power to initiate log changes, malware, transaction re-routing and message manipulation

Meet regulatory requirements

Avoid penalties and stay compliant with defensible records that are protected against tampering and captured independent of the switch

Maximize operational efficiency

Speed up root cause analysis with real-time transaction monitoring that correlates and decodes every transaction across all payment types and channels

Logging every transaction - across all channels

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