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Summary
One of the world’s most valuable companies as of July 2025, has redefined real-time payment screening at scale through its partnership with Napier AI. In support of the multi-trillion-dollar global footprint, Napier AI enabled the company to seamlessly screen every consumer transaction across its e-commerce platforms with accuracy– without interrupting customer experience or overloading compliance teams. The result is a fully automated,API-first compliance solution that matches the companies need for performance, precision, and growth.
Challenge
The Fortune 500 company was expanding internationally via e-commerce, which created trade finance regulatory obligations to screen payments against global sanctions lists. The company needed to implement a solution quickly, to protect the business from multi-million-dollar fines and to capitalise on the market opportunity without disrupting the e-commerce checkout process.
The company required:
A high-throughput screening solution for millions of customer payments.
The flexibility to block transactions to and from specific countries, regions, and individuals from purchasing high price items.
Ultra-accurate risk decisions aligned to the company’s risk appetite.
A headless, API-first design to slot directly into existing systems.
Elimination of manual alert review through low false positive rates.
Future-proof scalability to support exponential transaction growth.
Traditional transaction screening tools failed to deliver the accuracy and throughput the company demanded, especially when applied to real-time, global payments. The company needed a NextGen solution that could support its brand promise of speed and growth.
Solution
The company selected Napier AI Transaction Screening, deploying it via a headless API to fit its global e-commerce infrastructure with zero business disruption. Implementation was completed and fully performant in one week, ensuring readiness ahead of a major product launch, critical timing for a business forecasting record full-year revenue of $100+ billion USD in FY25.
Key benefits included:
API-first integration into company’s e-commerce stack, with no need for case management or UI.
Ultra-accurate name matching tuned to company’s specific risk tolerance, minimizing false positives.
High-volume transaction screening with fully automated red-light/green-light decisions.
Zero analyst review required, significantly reducing overhead and keeping compliance cost low.
Scalability to meet global customer base.
Napier AI worked closely with the customer to ensure that every payment – regardless of channel, region, or method – was screened in milliseconds, ensuring compliance at the speed of commerce.
Results
Real-time payment compliance with zero friction
The company achieved real-time payment screening across all transactions, enhancing customer experience while ensuring global sanctions compliance.
No manual review, by design
Thanks to advanced algorithms and tailored configuration, the company eliminated the need to hire additional financial crime analysts to review payment alerts, enabling a lean, tech-driven compliance model.
API-native scalability for global growth
Napier AI’s architecture seamlessly scaled with the global e-commerce footprint, futureproofing compliance for global product launches and payment innovations.
Confidence in every transaction
With Napier AI, the company built a payment screening engine it could trust – enabling faster customer journeys without compromising on control or compliance integrity.
About us
Napier AI is a RegTech delivering anti-money laundering and financial crime compliance software to financial institutions, payments firms and wealth & asset management firms. Napier AI designs and engineers technological innovation to make a measurable difference in driving down financial crime. Trusted by over 100 institutions worldwide, the company’s platform, Napier AI Continuum, is transforming compliance from a legal obligation to a competitive edge.
