Shomer
Shomer is a Bogotá-based behavioral AI company that builds real-time fraud prevention infrastructure for Latin American banks, fintechs, digital wallets, and payment processors operating on instant payment rails (PIX, Bre-B, PSE).
- Company typePrivate
- Founded2025
- HeadquartersBogota, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Shomer does
Shomer is a Bogotá, Colombia-based behavioral AI infrastructure company that builds real-time fraud prevention and risk decisioning for Latin American digital payments. Its core offering is a streaming risk engine that ingests login, device, behavioral, and transaction signals and returns approve/decline/review decisions in under 50 milliseconds (p95), with explicit support for instant payment rails including Brazil's PIX, Colombia's Bre-B, and PSE. The platform unifies rules, machine learning models, and relationship graphs in a single orchestration layer, and exposes its capabilities through a suite of APIs (Fraud Detection, Risk Scoring, KYC & Identity, Graph Explorer) and a JavaScript Behavioral AI SDK. A versionable Playbooks Antifraude framework lets non-technical risk teams deploy and iterate fraud response sequences without modifying core banking systems.
The company targets banks, digital banks, fintechs, digital wallets, and payment processors in Latin America through a sales-led and API-first go-to-market, with a structured four-week implementation timeline from sandbox to production go-live. Revenue is generated through subscription-based SaaS, usage-based pricing tied to API and event volume (up to 25,000 events/second per deployment), and managed or self-hosted deployment options (Shomer Cloud, customer VPC, or hybrid), typically structured as multi-year contracts on a quote-based model. Named customers include NovaPay, Andes Bank, PixelPay, Luma Finance, OrionPay, Selva Wallet, Vector Bank, and AtlasPay. Founded in 2025 by Gustavo A. (Gustavo Alvarado), Shomer is privately held with no disclosed institutional funding rounds or parent company.
The technology differentiator is domain specialization: models are trained on local LatAm fraud patterns rather than adapted from generic global models, and customer-reported outcomes include 25-32% improvement in fraud detection, 35-58% reduction in false positives, and approximately 40% reduction in manual review volumes. Switching cost emerges from playbook-driven workflow integration and rule/model calibration, while the multi-rail architecture and flexible deployment support compliance-sensitive banking environments. The company is operating from an early commercial base with no public financial disclosures.
Shomer firmographics
Firmographics- Name
- Shomer
- Website
- https://getshomer.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Shomer is a Bogotá-based behavioral AI company that builds real-time fraud prevention infrastructure for Latin American banks, fintechs, digital wallets, and payment processors operating on instant payment rails (PIX, Bre-B, PSE).
- Ownership category
- akta.pro rank
Shomer industry classification
Industry- Product category
- Fraud Detection and Risk Management Software
- akta.pro primary industry
- Model Governance, Risk & Compliance (GRC) Platforms (HDAAAKAA)
- akta.pro secondary industries
- Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG), Audit, Explainability & Accountability Tooling (traceability, reporting) (HDAAAKAL), Dispute, Chargeback & Refund Automation (FSAGABAI)
Keywords
Where Shomer is headquartered
LocationHeadquarters
- HQ city
- Bogota
- HQ country
- United States
- HQ region
- North America
Markets served
Shomer business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Risk Engine Platform (SaaS): Managed cloud platform with global regions and latency optimizations for risk engine serving. Subscription-based model with deployment flexibility (Shomer cloud, self-hosted, or hybrid).
- API Usage & Event Processing: Usage-based pricing for API calls and event processing at scale (up to 25K events/second per deployment), aligned with transaction volumes of payment processors and fintechs.
- Self-hosted / Dedicated Deployment: Dedicated deployments within customer VPC for strict compliance requirements, maintaining data sovereignty while using Shomer's behavioral AI engine.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Multi-year contract | Shomer Cloud — Fully managed platform |
| Subscription | Multi-year contract | Self-hosted — Dedicated VPC deployment |
| Hybrid | Multi-year contract | Hybrid — Elastic load with on-premises data control |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Shomer product offering
Product offeringCore offering
Shomer provides a Behavioral AI risk engine that processes login, device, behavioral, and payment signals in sub-50ms to approve, decline, or route transactions for review across Latin American instant payment rails (PIX, Bre-B, PSE, cards). The platform combines rules, machine learning models, and relationship graphs into a unified orchestration layer, complemented by versionable Playbooks Antifraude and a suite of APIs (Fraud Detection, Risk Scoring, Behavioral AI SDK, KYC & Identity, Graph Explorer) for banks, fintechs, wallets, and payment processors.
Product overview
Shomer is a Behavioral AI risk infrastructure platform designed for Latin American digital payments. The core offering is the Shomer Risk Engine—a real-time decision pipeline that processes behavioral signals, device data, and transaction events to approve, reject, or review payments in milliseconds. Built on top of the core engine are Playbooks Antifraude, which provide versionable, experimentable fraud response automation flows. The platform exposes its capabilities through a suite of APIs including the Fraud Detection API, Risk Scoring API, Behavioral AI SDK, KYC & Identity API, and Graph Explorer. The system is designed for immediate payments (PIX, Bre-B, PSE, cards), wallets, and digital banks across Latin America.
Differentiator
Problem solved
Functional benefit
Products and services
- Shomer Risk Engine (Motor de riesgo Shomer)
Quantifiable outcome
- –58% false positives (regional digital bank case study)
- +7 more outcomes
Companies that use Shomer
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
Shomer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature7 records
Shomer partnerships and signals
Strategic signalScale indicators12 records
Recent moves6 records
Expansion highlights5 records
Shomer competitors and assessment
Company assessmentDirect peers
- BioCatch: Behavioral biometrics platform that profiles user behavior for fraud, ATO, and scam detection in digital banking. Directly comparable technology approach: behavioral signal capture and ML-driven risk scoring for fintechs and banks.
- ClearSale: Brazilian/LatAm-focused e-commerce and CNP fraud prevention provider with managed and AI hybrid decisioning. Directly comparable in geographic focus (Brazil + LatAm), customer base (merchants, wallets, processors), and CNP/chargeback fraud playbook orientation.
- Sift: Digital trust and fraud prevention platform combining ML, device, and behavioral signals for real-time decisions on transactions, account takeover, and chargebacks. Competes head-to-head in digital wallet and BNPL fraud segments Shomer serves.
- Featurespace: Behavioral analytics fraud and AML platform using adaptive behavioral models for real-time transaction risk. Competes with Shomer's ML-driven, explainable risk scoring layer for card and instant payments.
- Feedzai: Portugal-based AI platform for real-time fraud and financial crime prevention across payments, cards, and digital banking. Closest direct competitor to Shomer: similar behavioral/ML risk engine, real-time decisioning, and Portuguese/Spanish-speaking customer base overlapping with LatAm fintechs.
- Konduto: Brazilian fraud detection SaaS for e-commerce and digital businesses using device, behavior, and ML signals. Comparable in regional focus (Brazil/LatAm), e-commerce/BNPL fraud orientation, and SMB-to-mid-market fintech customer base.
- DataVisor: AI fraud and AML platform with real-time detection, graph analytics, and orchestrated rules-and-models decisioning. Directly comparable architecture: rules + ML + graph orchestration with explainable outputs for fintech and payments.
Broad incumbents
- NICE Actimize: Enterprise-grade financial crime, AML, and fraud platform sold to large banks and processors worldwide. Overlaps with Shomer's bank/processor segment at the high end but as a much broader, slower-to-deploy suite rather than a LatAm-specialized streaming engine.
- Mastercard (Brighterion / Fraud & Risk solutions): Network-level AI fraud and risk solutions (including Brighterion) sold to issuers, acquirers, and processors. Broad incumbent alternative to Shomer for multi-rail and card fraud prevention with much larger sales reach and bundled distribution.
- Visa (Cybersource / Visa Risk Manager): Global card-network-owned fraud and risk decisioning platform layered onto issuer and merchant processing. Competes with Shomer on card and digital payment fraud, with structural advantages in distribution via the Visa network.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Shomer social profiles
Digital presenceShomer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Shomer leadership team
Management profileNumber of profiles
Profiles1 record
Shomer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Shomer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Shomer
What does Shomer do?
Shomer provides a Behavioral AI risk engine that processes login, device, behavioral, and payment signals in sub-50ms to approve, decline, or route transactions for review across Latin American instant payment rails (PIX, Bre-B, PSE, cards). The platform combines rules, machine learning models, and relationship graphs into a unified orchestration layer, complemented by versionable Playbooks Antifraude and a suite of APIs (Fraud Detection, Risk Scoring, Behavioral AI SDK, KYC & Identity, Graph Explorer) for banks, fintechs, wallets, and payment processors.
Is Shomer a public or private company?
Shomer is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Shomer founded?
Shomer was founded in 2025. It employs 1 to 10 people.
Where is Shomer based?
Shomer is headquartered in Bogota, United States, in the North America region.
How does Shomer make money?
Three revenue lines are on record. Risk Engine Platform (SaaS) is the primary driver. The others are API Usage & Event Processing and self-hosted / Dedicated Deployment.
Who are Shomer's main competitors?
Direct peers on record are BioCatch, ClearSale, Sift, Featurespace, Feedzai, Konduto and DataVisor. Broad incumbents are NICE Actimize, Mastercard (Brighterion / Fraud & Risk solutions) and Visa (Cybersource / Visa Risk Manager).
Does Shomer have an API?
Yes. Shomer provides a suite of APIs for real-time risk scoring and fraud detection. The Fraud Detection API evaluates each payment in real-time with rules and Behavioral AI trained on thousands of fraud patterns. The Risk Scoring API returns explainable risk scores for immediate payments, PIX, Bre-B, PSE, and cards. The Behavioral AI SDK instruments apps and wallets to capture behavioral signals without user friction. The KYC & Identity API connects identity verification, lists, and device signals in a single call. The Graph Explorer API allows exploration of relationships between devices, accounts, and merchants to discover fraud networks. All APIs share unified authentication, metrics, and secure versioning for mission-critical environments. API supports up to 25K events/second per deployment with sub-50ms p95 latency. Developer documentation is at www.getshomer.com/docs.
What industry is Shomer in?
Shomer's product category is Fraud Detection and Risk Management Software. Its primary akta.pro industry code is HDAAAKAA, Model Governance, Risk & Compliance (GRC) Platforms, with a secondary code of HDAEANAG, Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII).