Zoop is a leading fintech in embedded financial services, providing technology that powers payments, banking, and credit for major companies and digital platforms across multiple industries. Recognized among the top fintechs in the market, the company’s infrastructure supports secure and scalable financial operations for its partners.

The critical challenge: securing real-time transactions

As Zoop’s operations expanded, the company needed a faster, more reliable way to validate card transactions and detect compromised cards before they reached the payment system.

The manual validation process created operational bottlenecks. Each suspicious transaction generated alerts that the Banking and Payments teams had to review manually, interrupting daily routines. The volume and cost of these checks also strained relationships with card networks, making efficiency a priority.

The solution: automation and real-time validation

Working with Axur and Azion, Zoop introduced a new validation system that checks every card in real time, directly at the network edge.

The architecture combines Axur’s credit card exposure solution, backed by a live database of over 600 million compromised cards, with Azion’s low-latency infrastructure.

This approach allows each transaction to be validated in under 0.01 seconds, automatically blocking suspicious cards before they reach the payment engine. The result was a 150% reduction in response time and the preventive blocking of 30% of transactions, all without affecting the user experience.

Impact in numbers

• 150% faster card validation
• 30% of fraudulent transactions blocked at the edge
• No impact on user experience
  
  

With these improvements, Zoop reduced escalations to card networks and freed the Banking and Payments teams to focus on more strategic work. The faster, more accurate validation also strengthened trust between the fintech, its partners, and customers.

Expanding security beyond transactions

Zoop has built its security operations on data-driven intelligence.

Beyond card validation, the company uses Axur’s brand protection solution to monitor its digital presence and Threat Hunting to identify risks before they escalate.

With access to one of the largest intelligence databases, covering 17 billion unique credentials and 600 million cards, updated continuously—Zoop can detect breach patterns, track new fraud techniques, and anticipate potential threats. This visibility has become an important part of the company’s operational resilience and growth strategy.

“Our benefit goes beyond financial results. We’ve built a solid and trustworthy reputation. We know that what shouldn’t pass doesn’t, and that gives security to us and to our customers. We’ve relied on Axur for a long time and trust the team’s commitment to improving the platform based on client feedback.”

— Ismael Aguilar, Information Security Manager, Zoop

A partnership built on reliability

For Zoop, Axur is not only a technology provider, but a long-term partner that contributes directly to operational security and customer confidence.

With continuous monitoring and real-time intelligence, Zoop keeps its systems protected and ensures every transaction is processed safely.

Want to see how Axur can transform your organization’s digital security?

Request a demo and find out more through a personalized analysis.

📄 Read the full case study and explore all the details of this partnership here.