Catch Fraud Instantly With Real-Time Alerts

AI sends instant transaction alerts with masked details and dispute links. Autonomous delivery ensures customers know about charges immediately.


Why this matters

Fraud detection relies on customers noticing unauthorized transactions quickly. Without real-time alerts, fraudulent charges accumulate over days or weeks before being caught, increasing financial damage and complicating dispute resolution. Delayed notifications also erode customer trust in the financial institution.


How MultiMail solves this

MultiMail's autonomous mode delivers instant email alerts for every financial transaction, login attempt, and account change. The AI composes alerts with appropriately masked card numbers, transaction details, and immediate dispute links for unauthorized activity. Zero human delay ensures customers can act on suspicious charges within minutes.

1

Receive Transaction Event

When a transaction is processed, the event triggers MultiMail's AI agent with transaction details including amount, merchant, card used, and timestamp.

2

Apply Masking Rules

The AI applies PCI-DSS compliant masking to card numbers and account details. Only the last 4 digits of the card are included in the alert.

3

Send Instant Alert

In autonomous mode, the alert is delivered within seconds of the transaction. The email includes transaction details, merchant information, and a prominent link to dispute unauthorized charges.

4

Monitor for Disputes

If the customer replies or clicks the dispute link, the AI routes the response to the fraud team immediately for investigation.


Implementation

Send Transaction Alert
python
import requests
from datetime import datetime

API = "https://api.multimail.dev/v1"
HEADERS = {"Authorization": "Bearer mm_live_xxx"}

def send_transaction_alert(customer: dict, transaction: dict):
    "cm"># Mask card number (PCI-DSS compliant)
    masked_card = f"****{transaction[&"cm">#039;card_last4']}"
    
    body = (
        f"Transaction Alert\n\n"
        f"Amount: ${transaction[&"cm">#039;amount']:.2f}\n"
        f"Merchant: {transaction[&"cm">#039;merchant']}\n"
        f"Card: {masked_card}\n"
        f"Date: {transaction[&"cm">#039;timestamp']}\n"
        f"Location: {transaction[&"cm">#039;location']}\n\n"
        f"If you made this transaction, no action is needed.\n\n"
        f"If you did NOT authorize this charge:\n"
        f"1. Dispute immediately: {transaction[&"cm">#039;dispute_url']}\n"
        f"2. Call us: {transaction[&"cm">#039;fraud_hotline']}\n\n"
        f"Do not reply to this email."
    )

    return requests.post(
        f"{API}/send",
        headers=HEADERS,
        json={
            "from": "[email protected]",
            "to": customer["email"],
            "subject": f"Transaction alert: ${transaction[&"cm">#039;amount']:.2f} at {transaction['merchant']}",
            "text_body": body
        }
    ).json()

Send an instant transaction alert with masked card details and dispute link.

Send Login Attempt Alert
python
import requests

API = "https://api.multimail.dev/v1"
HEADERS = {"Authorization": "Bearer mm_live_xxx"}

def send_login_alert(customer: dict, login: dict):
    body = (
        f"Account Login Alert\n\n"
        f"A {&"cm">#039;successful' if login['success'] else 'failed'} login "
        f"was detected on your account:\n\n"
        f"Time: {login[&"cm">#039;timestamp']}\n"
        f"Device: {login[&"cm">#039;device']}\n"
        f"Location: {login[&"cm">#039;location']}\n"
        f"IP: {login[&"cm">#039;ip_address']}\n\n"
        f"If this wasn&"cm">#039;t you, secure your account immediately:\n"
        f"{login[&"cm">#039;secure_url']}\n\n"
        f"Or call: {login[&"cm">#039;support_number']}"
    )

    return requests.post(
        f"{API}/send",
        headers=HEADERS,
        json={
            "from": "[email protected]",
            "to": customer["email"],
            "subject": f"Login alert: {&"cm">#039;New device' if login['new_device'] else 'Account access'} detected",
            "text_body": body
        }
    ).json()

Alert customers about account login attempts from new devices or locations.

MCP Tool Integration
typescript
"cm">// Real-time transaction alert via MCP

await mcp.send_email({
  from: "[email protected]",
  to: customer.email,
  subject: `Transaction alert: $${transaction.amount} at ${transaction.merchant}`,
  text_body: [
    "Transaction Alert",
    "",
    `Amount: $${transaction.amount}`,
    `Merchant: ${transaction.merchant}`,
    `Card: ****${transaction.cardLast4}`,
    `Date: ${transaction.timestamp}`,
    "",
    "If you did NOT authorize this charge:",
    `Dispute: ${transaction.disputeUrl}`,
    `Call: ${transaction.fraudHotline}`
  ].join("\n")
});

Use MultiMail MCP tools for transaction alerting.


What you get

Instant Fraud Detection

Customers learn about charges within seconds, enabling them to dispute unauthorized transactions before additional fraudulent charges accumulate.

PCI-DSS Compliant Masking

Card numbers are automatically masked to show only the last 4 digits, maintaining PCI-DSS compliance in email communications.

One-Click Dispute

Prominent dispute links in every alert let customers flag unauthorized charges immediately, speeding up fraud resolution.

Zero Delay Delivery

Autonomous mode sends alerts within seconds of the transaction. Human review delays would defeat the purpose of real-time fraud detection.


Recommended oversight mode

Recommended
autonomous
Transaction alerts are security-critical notifications where any delay increases fraud exposure. The content is data-driven (amount, merchant, masked card) with no subjective AI-generated prose. Autonomous delivery ensures customers can detect fraud within minutes.

Common questions

Why autonomous mode for financial alerts?
Transaction alerts are purely data-driven and time-critical. Each minute of delay is a minute where additional fraudulent charges could accumulate. The content follows a fixed template with dynamic transaction data — there is no AI-generated prose that could be wrong.
How does PCI-DSS masking work?
PCI-DSS requires that card numbers in non-secure channels show no more than the first 6 and last 4 digits. In email alerts, only the last 4 digits are shown (****4242) to minimize exposure. Full card numbers are never included.
Can I alert on specific transaction types only?
Yes. Configure alert rules based on amount thresholds, merchant categories, geographic anomalies, or transaction types. Some customers want alerts on every charge, others only on charges above $50 or from foreign merchants.
How do I handle alert fatigue for frequent transactors?
Offer alert preference controls: per-transaction alerts, daily digest summaries, or threshold-based alerts (only charges above $X). Let customers configure their preference level to balance awareness with inbox volume.

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