What Wibmo does

Wibmo is a payment technology company providing digital payment security, authentication, fraud prevention, and processing infrastructure to banks, fintechs, and payment service providers. Headquartered in Cupertino, USA, with primary operations in Bengaluru, India, the company operates across more than 30 countries and serves over 200 banks and fintechs, securing more than 4 billion transactions annually. Wibmo operates as a wholly-owned subsidiary of PayU (backed by Prosus/Naspers), with Manas Mishra serving as Chief Product Officer across both entities.

The company's product portfolio is organized across four interconnected stacks: an Authentication and Security stack (Wibmo Intelligent Authentication Suite, ACS, Flashpay, Passkey, RBA, Issuer In-App Authentication) built on 3DS 2.0 protocols; a Fraud and Risk Management stack anchored by Wibmo FRM, which delivers AI/ML-driven realtime risk scoring; an Acquiring stack (Wibmo Orchestrator, PG, 3DSS, Acquirer Token Hub) handling payment processing and routing; and an Issuing stack (Issuer Token Hub, Prepaid Platform, Subscriptions) covering card lifecycle and tokenization. In 2026 the company extended this surface with ARIA (Agentic Risk Intelligence Assistant), an AI-agent platform targeting fraud, AML, KYC, and disputes operations. Underlying capabilities include multimodal biometric authentication (fingerprint, Face ID), predictive analytics for transaction risk scoring, and anomaly detection trained on the company's proprietary transaction data.

Wibmo generates revenue through transaction-based fees and subscription/recurring licensing of its enterprise platform modules to financial institutions and payment service providers, with B2B enterprise pricing negotiated based on transaction volumes, customer scale, and product mix. Distribution is executed through direct enterprise sales, OEM/embedded integrations within the PayU ecosystem (including partner banks and platforms such as Flipkart and Axis Bank), and API-first delivery through a developer portal. The platform maintains PCI DSS 4.0.1, ISO 27001:2022, ISO 27701:2019, and SOC 2 Type 2 compliance, and its offerings are explicitly aligned with RBI 2025 authentication guidelines.

Name

Wibmo

Legal name

Wibmo Inc.

Website

https://wibmo.co

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Wibmo provides AI-powered payment security, authentication, and fraud prevention infrastructure to banks, fintechs, and payment service providers across 30+ countries, securing 4+ billion transactions annually for 200+ clients as a PayU subsidiary.

Ownership category

akta.pro rank

Product category

Payment Security & Authentication

NAICS

Computer Systems Design and Related Services (54151)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Fraud Detection, Scam Prevention & Account Takeover (Crypto) (FSADALAF)

akta.pro secondary industry

Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

Keywords

• Payment security platform
• Fraud risk management
• Payment authentication
• 3D secure services
• Payment processing infrastructure

Headquarters

HQ city

Cupertino

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Payment Security and Authentication Services: Wibmo provides payment security infrastructure including fraud prevention, authentication, and risk management to banks and fintechs. Revenue is generated through transaction-based fees, licensing, and platform subscription models for their fraud management and authentication solutions.
2. Enterprise Platform Licensing: Full-stack payment processing solutions (Orchestrator, PG, 3DSS) offered as licensed platforms to banks and payment service providers, enabling them to process payments with Wibmo's infrastructure.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Wibmo provides digital payment security, fraud risk management, and authentication infrastructure for banks and fintechs. Its platform combines AI-powered realtime fraud detection (Wibmo FRM), 3DS-compliant authentication (ACS, RBA, Passkey, Flashpay), payment orchestration and processing (Orchestrator, PG, 3DSS), tokenization (Token Hubs), and card lifecycle management (Prepaid Platform, Subscriptions). It also offers ARIA, an agentic AI platform for financial crime operations covering fraud, AML, KYC, and disputes.

Product overview

Wibmo provides a comprehensive digital payment platform with a modular, platform-plus-products architecture. The core offerings are organized into three interconnected stacks: the Authentication & Security stack (anchored by the Wibmo Intelligent Authentication Suite, Wibmo ACS, Wibmo RBA, Flashpay, Issuer In-App Authentication, and Passkey) providing secure payment authentication; the Fraud & Risk Management stack (Wibmo FRM) delivering AI-powered realtime fraud detection; and the Acquiring/Issuing stacks covering payment processing (Wibmo PG, Wibmo Orchestrator, Wibmo 3DSS), tokenization (Acquirer/Issuer Token Hubs), and card management (Prepaid Platform, Subscriptions). ARIA (Agentic Risk Intelligence Assistant) extends the fraud prevention capabilities with autonomous AI agents for financial crime operations. The platform processes over 4 billion transactions annually across 200+ banks and fintechs in 30+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• Wibmo ACS: Authentication Control Server combining intelligent decision-making with AI/ML-driven fraud detection for 3DS 2.0 compliance.
• Wibmo FRM
• Wibmo Orchestrator
• Wibmo PG
• ARIA
• Flashpay
• Passkey
• Wibmo RBA
• Wibmo 3DSS
• Wibmo Token Hub
• Wibmo Prepaid Platform
• Wibmo Subscriptions
• Wibmo Issuer Token Hub

Products and services

• Wibmo ACS (Authentication Control Server) Best-in-class authentication control server combining intelligent decision-making with AI/ML-driven fraud detection for 3DS 2.0 compliance across major global networks; for issuers, acquirers, and payment service providers.
• Flashpay - Merchant In-App Authentication Next-generation payment solution built on 3DS protocols and aligned with RBI AFA guidelines, using biometrics to deliver split-second payments with dramatically lower latency for merchants and issuers.
• Issuer In-App Authentication Multifactor authentication (MFA) solution delivering robust security and seamless UX across mobile banking, net banking, and admin logins with flexible, device-native authentication options for banks and fintechs.
• Passkey Passwordless biometric authentication reducing transaction time to under 10 seconds with 1.5-2% improvement in success rates, for issuers and merchants.
• Wibmo RBA (Risk-Based Authentication) Authenticates digital payments with minimal friction, stepping up authentication only when risk warrants; powered by Wibmo FRM's realtime scoring. For issuers and acquirers.
• Wibmo FRM (Fraud Risk Management) Next-generation fraud risk management platform securing 4+ billion transactions annually with 40% fraud detection precision and 90% reduction in false positives for issuers, acquirers, and banking applications.
• Wibmo Orchestrator Intelligent payment routing platform optimizing transaction flows across multiple gateways using AI/ML algorithms with merchant-specific routing based on success rates and costs; for merchants and PSPs.
• Wibmo PG (Payment Gateway) Complete payment processing solution with plug-and-play architecture, 3000 TPS capacity, and PCI DSS compliance with dynamic routing and multi-currency support; for merchants and acquirers.
• Wibmo 3DSS (3D Secure Server) Advanced 3D Secure Server with EMVCo 3DS 2.0 certification providing enhanced authentication for card-not-present transactions while maintaining optimal conversion rates; for issuers, acquirers, and merchants.
• Wibmo Acquirer Token Hub Centralized tokenization platform providing secure payment credential management across networks with advanced token-based protection and device-level authentication for acquirers.
• Wibmo Issuer Token Hub Comprehensive tokenization solution featuring push provisioning and token vault capabilities with bank-level token creation and cost-efficient operations for issuers.
• Wibmo Prepaid Platform Advanced prepaid card lifecycle management system with complete control over virtual and physical cards, flexible customization, and real-time monitoring tools for issuers and program managers.
• Wibmo Subscriptions Unified subscription management platform with EMVCo 3DS standards, regulatory compliance, and consumer self-serve portals delivering 50%+ cost savings and up to 95% success rates for issuers and merchants.
• ARIA (Agentic Risk Intelligence Assistant) AI-powered platform designed to transform financial crime operations for banks and payment service providers by automating data aggregation, analysis, and draft recommendations with specialized AI agents for fraud, AML, KYC, and disputes.

Quantifiable outcome

• Over 70% reduction in investigation time
• +6 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• FlipkartcoreStrategic or Co-development Partner · 28 April 2026Flipkart partnered with Axis Bank and PayU to launch biometric authentication for card payments on the Flipkart e-commerce platform. Wibmo powers the issuer-side biometric verification and device binding technology, enabling users to approve transactions using Face ID or fingerprint instead of OTPs. The partnership aligns with RBI's 2025 authentication guidelines and addresses rising digital payment fraud.
• Axis BankcoreStrategic or Co-development Partner · 28 April 2026Axis Bank partnered with Flipkart and PayU to offer biometric authentication for card payments. Wibmo provides the issuer-side verification technology enabling Axis Bank cardholders to approve transactions via Face ID or fingerprint. The feature is live for Axis Bank cardholders on supported Android and iOS devices.
• PayUcoreOthersWibmo is a PayU company and subsidiary. Manas Mishra serves as CPO of both PayU and Wibmo. Wibmo operates as the payment security and technology arm of the PayU group, integrated under the unified payments umbrella alongside Payments, Credit, and Mindgate following PayU's 70% stake acquisition in Mindgate in 2025.
• RBI (Reserve Bank of India)coreOthersWibmo's biometric authentication solutions and 3DS protocols align with RBI's 2025 guidelines encouraging stronger authentication mechanisms such as biometrics over SMS-based OTPs. The regulatory environment drives demand for Wibmo's compliance-aligned authentication solutions.

Scale indicators12 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Razorpay: India-headquartered full-stack payment platform offering payment gateway, authentication and fraud prevention to banks and merchants. Directly comparable to Wibmo in target segment (Indian banks/fintechs), product scope (authentication, tokenization, processing) and go-to-market, and competes head-to-head for the same issuer/acquirer RFPs.
• ACI Worldwide: Global enterprise payments and financial-crime software provider serving banks and processors with fraud management, 3DS, and real-time payment orchestration. Closest listed comparables to Wibmo in terms of enterprise-bank GTM and product architecture across fraud risk management and 3D Secure.
• Featurespace: Specialist provider of adaptive behavioral analytics for fraud and risk management in payments and financial services. Directly comparable to Wibmo FRM in its use of ML-based real-time risk scoring for card transactions and broader payment fraud.
• Feedzai: AI-native financial-crime and fraud-prevention platform serving tier-1 banks and payment providers worldwide. Comparable to Wibmo in core AI-fraud-detection capability, real-time risk scoring, and large-bank enterprise GTM motion.
• Sift: Digital trust-and-safety platform providing ML-based fraud, account takeover, and payment-fraud prevention APIs. Comparable to Wibmo FRM and ARIA in AI-driven real-time fraud detection for digital payments.
• Riskified: Listed AI fraud-prevention and chargeback-guarantee provider focused on e-commerce and card-not-present transactions. Comparable to Wibmo in 3DS, biometric authentication, and AI-driven transaction risk scoring for merchants and issuers.

Broad incumbents

• Visa: Global payments network operating Visa Risk and Identity Solutions (including 3DS, tokenization, and risk scoring services). Overlaps with Wibmo's ACS, 3DSS, and token-hub offerings as a larger incumbent selling similar capabilities to the same bank issuers/acquirers.
• Mastercard: Global payments network with Mastercard Identity, Cyber & Intelligence Solutions covering 3DS, biometric authentication, tokenization and fraud risk. Comparable to Wibmo at the network/authentication layer with deeper global reach and direct scheme-level position.
• Stripe: Global payment processor with Stripe Radar (ML-based fraud prevention) and Stripe Identity services. Overlaps with Wibmo in payment authentication, fraud risk management and tokenization, with a much broader merchant base and developer ecosystem.

Emerging players

• Ravelin: Fraud-prevention platform combining ML risk scoring, authentication and AML tooling for online merchants and payment service providers. Comparable to Wibmo in its AI-first approach to payment fraud and adjacent financial-crime operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Wibmo_inc
• Facebookfacebook.com/wibmo
• LinkedInlinkedin.com/company/wibmo

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wibmo