European financial technology provider payabl. on Wednesday announced a new integration with AI-driven fraud platform Sift.

The company, which has a precense in Cyprus, said that the new collaboration will enhance its payments system with real-time, automated fraud prevention tools designed to support secure growth for merchants.

The partnership enables payabl.’s merchant customers to access Sift’s AI-powered identity trust engine, giving them the ability to detect and prevent fraud at scale, while reducing chargebacks and increasing approval rates without introducing friction to the customer experience.

The integration also enables merchants operating in the European Economic Area (EEA) and the United Kingdom to become more eligible for Transaction Risk Analysis (TRA) exemptions, allowing them to improve conversion rates while remaining fully compliant with regulatory requirements.

“At payabl., our mission is to arm merchants with the right tools to grow without limits – while keeping their businesses secure,” said Oleg Stefanets, Chief Risk Officer at payabl.

“By teaming up with Sift and its AI-driven fraud prevention, we’re delivering top-tier protection that drastically reduces friction for both merchants and their customers,” he added.

He also said that the company’s merchants “can scale fearlessly, confident that every transaction is checked in real time by a system that learns and adapts with each data point”.

Sift’s technology is already live on payabl.’s modular payments platform, offering merchants powerful fraud decisioning with fewer false positives, reduced need for manual reviews, and improved consumer trust in the checkout experience.

“Fraud decisioning is about more than reducing losses. It’s about delivering identity trust—so merchants can make confident risk decisions about the users transacting on their digital platforms,” said Armen Najarian, Chief Marketing Officer at Sift.

“By teaming up with Sift., payabl.’s merchant customers gain access to an AI-powered platform that continuously adapts to emerging threats and provides identity-centric insights,” he added.

Najarian also explained that “the result means not only fewer losses and chargebacks, but also greater TRA exemptions, a more seamless consumer experience, and profitable growth”.

The backdrop to this partnership is a growing need for intelligent fraud prevention within the European payments ecosystem.

According to a recent joint report by the European Banking Authority (EBA) and the European Central Bank (ECB), payment fraud across the EEA totalled €4.3 billion in 2022, with an additional €2 billion in the first half of 2023 alone.

Despite improvements thanks to strong customer authentication (SCA), the figures point to a continuing and urgent need for more sophisticated, adaptive tools to prevent fraud.

At the same time, consumer expectations are shifting. Research from payabl.’s State of European Checkouts report found that 44 per cent of European consumers believe the responsibility for fraud prevention lies with banks, payment providers, or retailers—rather than with the end user.

This puts additional pressure on merchants to safeguard their platforms and checkout experiences without compromising speed and convenience.

This is precisely the challenge payabl. is addressing through its partnership with Sift. By embedding advanced fraud prevention directly into its platform, the fintech firm is offering a seamless, secure way for merchants to scale confidently.

“In today’s digital economy, trust is the foundation of growth,” said Ugne Buraciene, Group CEO at payabl.

“Fraud prevention is no longer just a compliance requirement—it’s a strategic imperative,” she added.

“By integrating Sift’s AI capabilities into our platform”, Buraciene continued, “we’re empowering merchants to move faster, serve customers better, and expand globally with confidence”.

She stated that “it’s about creating a safer, smarter ecosystem for commerce to thrive.”

The collaboration also reflects broader trends across the payments industry, where compliance and innovation are increasingly intertwined.

Initiatives such as Visa’s VAMP programme and growing demand for TRA exemptions are reshaping how businesses approach risk and regulation.

“For payabl., the Sift integration marks another step in delivering future-proofed solutions that blend high-tech innovation with hands-on support,” the company concluded.