Top 10 Best Check Fraud Detection Software of 2026

NICE Actimize is a premier AI-driven platform for financial crime prevention, with specialized Check Fraud Detection capabilities that analyze check images, transactions, and behaviors in real-time. It employs advanced machine learning, image forensics, and pattern recognition to detect alterations, forgeries, duplicate deposits, and synthetic fraud with exceptional accuracy. Integrated into banking workflows, it reduces false positives and supports compliance with regulatory standards like NACHA and Reg CC.

FICO Falcon Fraud Manager is a leading enterprise fraud detection platform that uses advanced AI, machine learning, and a massive consortium database to provide real-time fraud prevention across payments, including specialized check fraud detection. It analyzes check images for alterations, forgeries, and wash patterns, while evaluating transaction velocity, behavioral anomalies, and shared fraud intelligence from over 1.2 billion accounts. The solution offers adaptive models, rules orchestration, and automated decisioning to balance fraud prevention with customer experience.

Bottomline Detect is an AI-powered check fraud detection solution from Bottomline Technologies that analyzes check images using machine learning and computer vision to identify alterations, erasures, chemical washes, and other fraud indicators. It automates the review process for banks and financial institutions, flagging suspicious checks in real-time to reduce manual intervention and prevent losses. The software integrates seamlessly with existing payment processing workflows, enhancing security without disrupting operations.

SAS Fraud Management is an enterprise-level platform from SAS that leverages advanced analytics, machine learning, and AI to detect and prevent fraud across multiple channels, including specialized capabilities for check fraud. It analyzes check images for forgeries, alterations, and anomalies, while monitoring transaction patterns and customer behavior in real-time. The solution integrates with banking systems for automated decisioning, case management, and consortium data sharing to enhance detection accuracy.

ACI Fraud Management by ACI Worldwide is an enterprise-grade platform specializing in real-time fraud detection and prevention across payment channels, with robust capabilities for check fraud detection. It employs AI-driven machine learning, behavioral analytics, and configurable rules to score and block suspicious check transactions, minimizing false positives while adapting to evolving threats. The solution integrates with core banking systems and supports high-volume processing for financial institutions handling checks alongside digital payments.

Feedzai Platform is an AI-powered risk management solution designed for financial institutions to detect and prevent fraud in real-time across payments, including check processing and deposits. It leverages machine learning models to analyze transaction data, user behavior, and network patterns to identify check fraud such as forgery, alteration, and account takeover. The platform integrates seamlessly with core banking systems, providing adaptive scoring and automated decisioning to minimize false positives while protecting against evolving threats.

Kofax AP Agility is an AI-powered accounts payable automation platform that captures, validates, and processes invoices and payments, including checks, using intelligent document processing. It employs machine learning for data extraction, anomaly detection, and workflow automation to identify potential fraud indicators like alterations or inconsistencies in check images. While versatile for broader AP needs, its check fraud capabilities leverage advanced image analytics and pattern recognition within financial document workflows.

Alogent Digital Check is a specialized check fraud detection solution designed for financial institutions, utilizing advanced image analytics and machine learning to scrutinize check images for signs of tampering, alterations, erasures, and duplicates. It integrates with digital deposit workflows and core banking systems to provide real-time fraud alerts and automate risk scoring, significantly reducing manual review processes. The platform supports positive pay reconciliation and helps mitigate losses from check fraud in high-volume environments.

RDM Arkus is a specialized check processing platform from teamrdm.com designed for financial institutions to capture, process, and analyze check images for fraud detection. It employs advanced image analysis, MICR verification, positive pay matching, and duplicate detection to identify alterations, forgeries, and other check fraud attempts. The software integrates with core banking systems to streamline remote deposit capture while minimizing fraud risks in high-volume environments.

Mitek's miVerify is an AI-powered identity verification platform that excels in fraud detection for financial documents, including checks, by analyzing images for tampering, forgeries, and alterations. It uses advanced machine learning to verify check details like payee names, amounts, and signatures in real-time during mobile deposits. Designed for integration into banking apps, it provides fraud risk scores to prevent check fraud while supporting broader identity verification with biometrics and document authentication.