Gr4vy unveils Silent Mode for parallel fraud testing

Gr4vy has launched Silent Mode, a feature for its risk management connectors that runs multiple fraud detection services in parallel while keeping one provider in control of live payment decisions.

The company said merchants can use the feature to evaluate fraud tools and manage vendor migrations using live transaction data. Gr4vy positions Silent Mode as a way to compare services without slowing checkout or changing outcomes for customers during testing.

Parallel Testing

Silent Mode allows a merchant to designate one fraud service as the active engine. That service determines whether a transaction proceeds, gets challenged, or is blocked. Other services run in the background and return their own assessments for comparison.

Gr4vy said the background calls process independently from the active payment decision. The company described the approach as asynchronous, with results collected without adding latency to the checkout flow.

Many merchants review fraud tooling regularly as payment fraud patterns shift and fraud vendors update models. That work often involves overlapping contracts, new integrations, and staged rollouts. It can also include a period where a new system needs transaction volume before its scoring stabilises.

Gr4vy said Silent Mode addresses these operational realities. Merchants can run a new provider without switching production outcomes. They can collect decisioning data across the same set of transactions, then decide when to promote a silent provider to active status.

Spending Pressures

The launch comes as businesses report persistent pressure from payment fraud and broader financial crime. Gr4vy cited a statistic that 79% of organisations experienced attempted or actual payment fraud in 2024.

Gr4vy also pointed to research suggesting increased investment in fraud detection across financial institutions. It said nearly seven in ten increased fraud-detection spending last year as fraud complexity and operational pressure rose.

Fraud tooling often sits across multiple parts of the payments stack. Online merchants may use a mix of gateway checks, issuer signals, fraud scoring, device intelligence, and chargeback management. In many organisations those services involve different vendors and data formats.

That complexity can make it difficult to change providers quickly. It can also make it harder to run controlled comparisons across vendors while maintaining consistent customer experiences.

Integration Model

Gr4vy said merchants can activate and configure a silent service through its single integration model. The company said this reduces the development work typically required when adding and testing fraud services.

Silent Mode forms part of Gr4vy's set of anti-fraud connectors. The company operates in payment orchestration, where a platform routes transactions across payment service providers and related services based on rules defined by the merchant.

Gr4vy said its platform includes access to more than 400 payment methods, anti-fraud tools, and payment service providers. The company also said it uses dedicated cloud instances and redundancy features for resilience.

In the wider market, vendors continue to compete on detection rates, false positives, and the operational burden of running fraud programmes. Providers also differentiate on analytics, policy controls, and how easily merchants can run experiments across regions and channels.

"Silent Mode represents a fundamental shift in how enterprises approach fraud management," said Cristiano Betta, Chief Product Officer, Gr4vy.

"For the first time, merchants can run multiple fraud providers in parallel, collect live data, and make confident decisions, all without sacrificing speed or customer experience," said Betta.

Market Context

Gr4vy cited forecasts for the online payment fraud detection market. It said the market is expected to reach USD $41.25 billion by 2034, with a 14.6% compound annual growth rate from 2025.

Growth in fraud detection spending has coincided with changes in consumer behaviour and payment flows, including increased use of digital wallets, buy now pay later products, and cross-border eCommerce. Merchants also face shifting regulatory requirements and evolving expectations from payment providers on risk controls.

For merchants, the trade-offs often involve balancing fraud loss against false declines and friction. A change in tooling can move that balance quickly, which raises the stakes during vendor testing and migration.

Gr4vy said Silent Mode gives merchants a record of how different providers would have performed on the same set of transactions, while keeping live decisions stable. The company framed this as a way to reduce downtime risk and create a clearer basis for switching providers.

Gr4vy said it will continue to develop its orchestration platform and related risk services. Silent Mode now sits as an option for merchants that want to run fraud providers in parallel while maintaining a single active decision engine.