Stay One Step Ahead of Fraud
A single fraud incident can lead to lasting financial and reputational consequences for your institution. With Apiture, your digital banking platform comes with rigorous, end-to-end fraud protections to identify and block threats in real time — delivering advanced detection, proactive monitoring, and peace of mind at every step.
Stop Fraud Proactively
Using a multi-layered fraud approach and integrations with leading fintechs, our platform stops threats before they impact you or your account holders.
- Robust account opening protection: Through integrations with Alloy and Footprint, Apiture’s account opening solution gives you the flexibility to tailor effective identity verification for both individuals and businesses. Our highly configurable solution enables you to identify fraudulent applications without adding unnecessary friction to the customer experience.
- Real-time transaction monitoring: Through an integration with DefenseStorm, we guard against threats like account takeover, payments fraud, and money laundering, blocking suspicious activity, triggering step-up authentication, routing anomalies for investigation, and taking automated action—including terminating sessions, locking users out, or stopping money movement.
- Bill payment protection: Through FraudNet with Risk Asist, Fiserv clients can benefit from real-time analysis of bill payment transactions. The FraudNet specialist team contacts users directly to validate payments when fraud is suspected.
- Check and ACH positive pay: With ACH Alert, businesses can actively engage in reducing fraud using a fully integrated dashboard that empowers them to make payment decisions when suspicious activity occurs.
Flexible Platform for Banks and Credit Unions
Secure and Reliable
Our digital banking platform, hosted in the Amazon Web Services (AWS) cloud, delivers unmatched security and reliability, including 99.996% uptime in 2025. We monitor systems 24/7 to identify issues before your account holders do — even when the issue stems from a third party.
Established Network of Fintech Partners
By partnering with more than 200 best-of-breed fintechs, we give you the choice and flexibility to create the digital experience that’s best suited to your unique community.
Core Agnostic
With more than 40 core integrations, the Apiture platform is ready to support your institution. Our online and mobile solutions are built to ensure an easy transition when changing providers while minimizing disruption to your internal processes.
Solutions Used by Millions
Stand Out With Apiture
We arm you with tools you need for success in today’s competitive climate, including:
- Dedicated client success manager who knows your name
- Unique development request program that fast-tracks your feature requests
- Around-the-clock monitoring of our platform and all integrations
Curious about how Apiture can help you stand out? Request a demo today.
Get in Touch
Hear from Our Clients
Craig Rodenberger SVP, Chief Marketing Officer, Ephrata National BankApiture has a genuine interest in being a 50/50 partner.
Rick Saunders Chief Executive Officer and Founder, First Reliance BankWe have been very pleased with Apiture’s platform, customer service, and delivery. Through their banking solution, First Reliance has been able to attract larger business customers, thus driving notable revenue growth.
Barry Sloane Chairman, President and Chief Executive Officer, NewtekOneBy partnering with Apiture, we will be able to deliver the comprehensive digital banking capabilities our customers will require along with the outstanding customer experience they expect online today.
Sherry Darnell AVP of eBanking, Cross Keys BankMy [Apiture] customer success manager has taken the time to get to know me and my expectations. When I have a question or issue, I can always get my CSM, or even an upper manager at Apiture team, on the phone. The team listens, takes feedback and really works to improve.
James S. (Chip) Mahan III CEO and chairman at Live Oak BankApiture and our ecosystem partners are crucial in delivering an open banking platform that allows us to treat each of our customers like the only customer in the bank. You simply cannot do that on legacy technology, and we are thrilled to be live with Apiture next-generation platform to deliver on our mission to be America’s small business bank.
Ben Brazell Executive Vice President Retail Banking, First Reliance BankOur partnership with Apiture further positions First Reliance as a leader in the banking industry. The product delivers like-features as those provided by larger institutions, but without losing the personalized relationships we have established within the communities we serve.
Rena Macapagal Executive Vice President and Chief Banking Officer, Savings Bank of Mendocino CountyOur website needed to reflect how our customers bank today. Apiture helped us create a digital banking experience that is clear, intuitive, and aligned with our online and mobile platforms. The collaboration was thoughtful and practical, and the result supports both our customers and our internal teams as we continue to grow.
Anthony Restel CEO, First Horizon / Virtual BankWe’re excited to partner with Apiture to launch our VirtualBank brand. Apiture’s API-first platform will enable VirtualBank to work with the leading technology companies we need to be able to compete in a digital-first market.
Jenny Casteel Director of ecommerce, Listerhill Credit UnionWe’ve had a lot of positive feedback on [Apiture’s] new mobile experience. I’ve even been contacted at home in the evening from members and employees telling me how much they enjoy the new application.
Dustin Kizer Digital services director, Alabama Credit UnionThe custom development with Apiture was one of the most effortless projects we’ve worked on. It was very low maintenance from the FI side, which was amazing.