Multi-Account Creation

Eliminate Hidden Multi‑Account Fraud Networks

Protect onboarding, promos, and high value transactions by scoring linked accounts and suspicious setups in real time, before fraud scales.

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Challenges

Why Multi-Account Abuse is a Costly Risk?

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Multi-Account Abuse Inflates Acquisition Costs
Fraudsters spin up fake accounts to exploit referral, sign-up, and loyalty bonuses, driving up customer acquisition spend without delivering real users or revenue.
It Erodes Platform Trust and Fairness
Abusers manipulate platform policies to gain unfair advantages, impacting genuine users and undermining the credibility of rewards and engagement programs.
Traditional Detection Methods Fall Short
Relying on IP or email checks isn’t enough, fraudsters use device spoofing, VPNs, and emulators to appear legitimate while controlling dozens of accounts undetected.
How FOCAL facilitates this use case

How We Prevent Multi-Account Abuse Across the Journey

FOCAL Enterprise Fraud Management (EFM) links devices, identities, and sessions to expose and block multi‑accounting, bonus abuse, and fake profiles from onboarding through repeat usage.

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Establish Persistent Digital ID

  • Creates Universal ID at first interaction to bind devices, accounts, and channels.
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  • Flags emulators, VPNs, device clusters, and risky histories using device fingerprinting.
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Detect duplicate and Linked Accounts

  • Maps devices, phones, emails, and payments to reveal hidden account relationships.
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  • Flags high-velocity account creation tied to same device, network, or location.
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Monitor High‑Risk Events and Incentives

  • Tracks referrals, promos, and high value offer to identify abnormal redemption patterns.
  • Triggers benefit limits, account pauses, or re-verification for suspicious Universal ID patterns.
Depicting AI-native platform

Block Abusive Transactions and Payouts

  • Scores withdrawals, cash-outs, refunds, and rewards using device, behavior, and transaction signals.
  • Reviews or rejects suspicious payouts linked to multi-account clusters.
Benefits

How FOCAL helps businesses tackle multi-account abuse

Reduce Promo Abuse Losses
Identify and stop fake and duplicate accounts before they can repeatedly claim welcome offers, referral rewards, and vouchers.
Uncover Hidden Networks
Reveal clusters of related accounts using Universal ID, device intelligence, and shared attributes to expose organised abuse rings.
Reduce False Positives
Use precise rules and ML models to minimise false positives from legitimate families, shared devices, or corporate networks, keeping trusted users’ journeys smooth.
Protect Campaign ROI
Ensure incentives reach real customers, not bots or fraud rings, preserving marketing ROI and fair value for genuine users.
Advantages

Why Businesses Choose FOCAL?

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Experts in digital fraud across KSA and MENA, aligning controls to local customer behavior, attack patterns, and regulations.
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Dedicated 24/7 support from fraud specialists to keep your detection strategies and journeys tuned as threats evolve.
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Unified fraud platform that delivers a single risk view across channels, products, and customer touchpoints.
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Intelligent decisioning that combines multiple risk signals into clear, explainable outcomes for operations and compliance teams.
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Partner services for implementation, rule design, and ongoing optimization, effectively extending your in‑house fraud team. 

Industries

Industries We Protect

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Banks
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Fintech
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E-commerce & Marketplaces
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Subscription Services
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Travel
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Governmental Agencies
Testimonials

Real Results from Real Teams

Hear how FOCAL is helping compliance teams work faster and reduce risk.

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Fair to say that FOCAL’s sanction screening solution is straightforward, reliable, and always available. Not to mention FOCAL’s professional and friendly account managers and subject-matter experts who guided us through the entire process.

Hashem Sbeitan
Risk & Fraud Director

FOCAL has proven to be an invaluable asset for us, resulting in more than 87% reduction in our onboarding time and enhancing our operational efficiency. This has allowed us to easily onboard new customers and grow confidently.

Ali Alshamrany
Risk & Fraud Director

FOCAL allows us to be compliant quickly. We use FOCAL to automate the screening of our customers with relative ease. FOCAL’s ever-evolving offerings never fail to surprise us, and it gives us confidence in the product’s ability to keep up with rising expectations of both regulators and customers.

Hussein Hejles
Director of Compliance
FAQ’s

Frequently Asked Questions

  • What is multi‑account abuse?

    Multi‑account abuse happens when the same person or group creates and controls multiple accounts to exploit promotions, evade limits, or bypass bans on a platform.

  • How does FOCAL detect fake or duplicate accounts?

    FOCAL links devices, identifiers, and behavior to spot patterns such as many “new” accounts from the same device, network, or Universal ID, even when emails and phone numbers are different.

  • Will families or shared devices be flagged as fraud?

    FOCAL uses risk‑based rules and models that look at full journeys and patterns, helping distinguish normal household or corporate sharing from coordinated abuse.

  • Can we control when to block, limit, or review suspected abuse?

    Yes. You can configure thresholds and actions to automatically cap rewards, pause accounts, or send cases for review based on your risk appetite and policies.

  • Does FOCAL help with promo, referral, and loyalty fraud specifically?

    FOCAL tracks sign‑ups, referrals, redemptions, and cash‑outs to uncover abnormal earning and redemption patterns linked to the same underlying user or device.

    • Protect Every Step of the Customer Digital Journey

    Secure logins, in‑app sessions, and payments in real time with FOCAL Enterprise Fraud Management.

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