Shomer

Shomer is a behavioral AI company focused on real-time risk assessment for digital payments, founded to address fraud prevention in Latin America’s rapidly growing fintech ecosystem.

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Provides real-time fraud detection and risk assessment for digital payments.

Shomer is a behavioral AI company focused on real-time risk assessment for digital payments, founded to address fraud prevention in Latin America’s rapidly growing fintech ecosystem. The company’s core product, the Shomer Risk Engine, analyzes behavioral signals, device data, and transaction patterns in milliseconds to approve, reject, or flag payments before they occur. Shomer’s technology integrates with payment processors, digital wallets, and neobanks, offering a unified orchestration of signals from cards, wallets, and accounts.

Its playbook-based approach automates fraud detection and response workflows, enabling clients to deploy antifraud strategies without disrupting their core systems. Shomer’s customer base includes fintechs, digital banks, and payment processors such as NovaPay, Andes Bank, and PixelPay, which rely on its AI stack for high-volume, low-latency decision-making. While Shomer has positioned itself as a key player in Latin America’s digital finance sector, its reliance on regional growth exposes it to macroeconomic volatility.

The company’s focus on explainable AI and real-time processing has garnered attention, but its ability to scale globally remains untested. Recent developments include partnerships with major payment processors and ongoing enhancements to its Behavioral AI Stack.

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Who buys this

  • Fintechs and digital banks
  • Payment processors
  • Digital wallet providers
  • Buy-now-pay-later platforms
  • Neobanks

Publicly disclosed clients

  • NovaPay
  • Andes Bank
  • PixelPay
  • Luma Finance
  • OrionPay
  • Selva Wallet
  • Vector Bank

Strengths and what to watch

Strengths

  • Real-time decision-making with sub-50ms latency
  • Explainable AI for compliance and risk teams
  • Designed for high-volume environments in Latin America

Watch for

  • Heavy reliance on Latin American market growth
  • Potential scalability challenges in global markets
  • Competition from established fraud detection providers

Key Information

Founded
2018
Headquarters
Ohio City

Frequently Asked Questions

What does Shomer do for digital payments?

Shomer provides real-time fraud detection and risk assessment for digital payments using behavioral AI. Its Shomer Risk Engine analyzes transaction patterns, device data, and behavioral signals in under 50 milliseconds to approve, reject, or flag payments before processing, helping fintechs and payment processors prevent fraud.

How does Shomer's behavioral AI detect fraud?

Shomer's AI examines hundreds of behavioral signals during transactions, including user interaction patterns and device fingerprints. The system compares these against known fraud patterns, making decisions in real-time. Its explainable AI approach also provides clear reasoning for flagged transactions, helping compliance teams understand risks.

Which companies use Shomer's fraud prevention?

Shomer serves fintechs, digital banks, and payment processors including NovaPay, Andes Bank, and PixelPay. Its clients primarily operate in Latin America's growing digital finance sector, where Shomer's low-latency decision-making is optimized for high-volume payment environments with strict fraud prevention needs.

Can Shomer integrate with existing payment systems?

Yes, Shomer integrates with payment processors, digital wallets, and neobanks through API connections. Its technology orchestrates signals across cards, wallets, and accounts without disrupting core systems. The playbook-based approach lets clients customize fraud detection workflows while maintaining existing infrastructure.

Why is Shomer focused on Latin America?

Shomer was founded to address fraud prevention in Latin America's rapidly expanding fintech ecosystem. The region's unique payment landscape and growth in digital finance created demand for localized solutions. However, this focus also makes Shomer vulnerable to regional economic fluctuations.

What are Shomer's main challenges as a company?

Shomer faces challenges expanding beyond Latin America, competing with global fraud detection providers, and scaling its technology internationally. While its real-time AI performs well in high-volume regional environments, unproven global scalability and reliance on Latin American market growth present risks for long-term expansion.

Sources

  1. www.getshomer.com — Product descriptions and customer base
  2. www.sec.gov — Financial and legal context
  3. www.sec.gov — Regulatory and financial background
  4. www.sec.gov — Corporate and financial details