Using RFC fraud prevention checks in payment systems?
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Some providers bundle format + SAT existence + 69-B check in one call. Name matching is usually fuzzy — watch for accents and abbreviations causing false positives on legitimate users.
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For RFC fraud prevention, also check that the RFC issue date makes sense relative to the business founding date. Newly-minted RFCs on old companies are a red flag.
Has anyone implemented RFC fraud prevention as part of a payment or lending system? We're seeing an uptick in applications using invalid or borrowed RFCs, and want to add a layer that catches this early.
The specific signals I want to check: (1) RFC format valid, (2) RFC exists in SAT registry, (3) RFC not on the 69-B blacklist, (4) RFC matches the name the user provided. I'm treating these as separate API calls or a combined enrichment step.
Are there any providers that bundle all four checks into one RFC fraud prevention API call? And what's the typical false positive rate on these checks?