Check Your Exposure

PRODUCT: FINANCIAL THREAT PROTECTION

Detect Stolen CREDIT Card Data
Before It’s Used for Fraud

Traditional card monitoring only alerts after fraud occurs. SpyCloud provides preemptive protection by detecting compromised credit card data, gift cards, and loyalty cards siphoned from malware-infected devices – giving issuers a chance to act before criminals can.

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HOW IT WORKS

Pre-fraud intelligence to stop payment fraud

Payment card data is commonly harvested through company breaches, infostealer malware on desktops, mobile malware on compromised phones, and phishing infrastructure. These attacks expose far more than just card numbers – often including associated PII such as email addresses, phone numbers, bank account details, and routing numbers.

SpyCloud Financial Threat Protection recaptures this intelligence from millions of infected devices, phishing sites, and breach sources every month, giving card issuers, payment processors, retailers, and fraud teams visibility at the point of exposure – before criminals monetize stolen financial data.

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Identify exposed payment cards early
Detect compromised credit, debit, gift, and loyalty card data harvested via malware, breaches, and phishing – before fraud attempts occur.
Disrupt criminal monetization
Use exposure intelligence to prioritize remediation, trigger card reissuance, and reduce downstream fraud losses.
Protect customers and trust
Minimize customer impact by acting early – reducing fraud, service disruption, and brand damage across payment workflows.

“If your brand is important and you want to protect consumer data, you have to get SpyCloud.”

– Anthony Brunson, Security Operations Manager at LendingTree
TRUSTED BY HUNDREDS OF GLOBAL INDUSTRY LEADERS
See why customers choose SpyCloud

EXPLORE OTHER PRODUCTS

Get broader fraud protection

SpyCloud gives financial institutions and retailers a leg up against ATO and fraud. Combine Financial Threat Protection with other SpyCloud products for proactive protection.

Consumer Threat Protection

Stop automated and targeted account takeover by taking action on exposed consumers and credentials

Cybercrime Investigations

Improve the outcomes of investigations into financial crimes, platform abuse, and more

Session Identity Protection

Stop session hijacking by detecting stolen authentication cookies

Next steps

Don’t wait for fraud – remediate compromised payment cards with the ultimate pre-fraud solution.
Get a demo today.

Financial Threat Protection FAQs

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Financial Threat Protection FAQs

The SpyCloud Financial Threat Protection returns compromised credit card, gift card, and loyalty card records from a query of 6 character BIN(s) and is delivered via a RESTful API with JSON output. Since we deliver this data via a RESTful API, the system(s) that requests and receives the data is highly flexible to the customer ecosystem.

Retail issued cards (credit, gift, or loyalty) must be numbers only, no characters – with a minimum of 12 digits and a maximums of 28 digits – in order to be able to use this API.

The customer system or users can query the endpoint with one or multiple (up to 10 at a time) BINs and receive all matched credit card, gift card, and loyalty card records (with CC numbers returned as SHA1 hash). These records are from when SpyCloud first published to the most recent published.

SpyCloud recaptured billions of stolen assets from the criminal underground, enabling organizations to leverage the data criminals know about their business before it can be used to perpetrate fraud. The difference between SpyCloud and other tools is that SpyCloud detects pre-fraud indicators based on credit card, gift card, and loyalty card exposures, whereas other feeds detect fraud after it has already been committed.

There are many best practices for preventing credit card, gift card, or loyalty card fraud, but at SpyCloud we recommend that card-issuing financial institutions and retailers proactively monitor for stolen card information so they can shut down and reissue cards before criminals use the compromised card numbers to commit fraud.

SpyCloud’s Financial Threat Protection delivers pre-fraud, proactive monitoring of stolen credit, gift, and loyalty card data that’s already circulating in the criminal underground instead of waiting to alert after fraudulent transactions occur, giving issuers and fraud teams early visibility into exposures tied to their BINs so they can remediate risks before criminals can monetize them. By integrating this early intelligence into fraud detection and transaction workflows, financial institutions can reduce fraud losses, lower chargebacks, protect their brand and customer trust, and take decisive action like blocking, flagging, or reissuing compromised cards based on validated compromise signals rather than reactive workflows.

The SpyCloud Financial Threat Protection product is priced in tiers based on the number of BINs you’d like to query. Please contact us for pricing.