Fraud Protection

Stop scammers before they hurt your business.

HOVA automatically detects fake numbers, SIM-swap fraud, and suspicious activity — and blocks them before they cost you money.

AIT defense
Per-account + global rate limits, velocity checks
Real-time
Fraud signal scoring on every send
Hard caps
Wallet limits prevent runaway charges
Configurable
Tune thresholds per account
What you get

Everything you need.

All the tools in one place — no extra apps, no complicated setup.

SIM swap detection

When a fraudster swaps a victim's SIM card to steal their account, HOVA catches it in milliseconds — before any transaction goes through.

Block fake SMS routes

Some carriers allow cheap 'grey route' SMS that bypass quality checks — HOVA identifies and blocks these to protect your message delivery.

Account takeover signals

Detect when someone is trying to take over a customer account by watching for suspicious patterns like rapid logins or unusual device changes.

Network-level intelligence

HOVA's fraud signals come directly from mobile network data — catching threats that app-level monitoring completely misses.

Custom fraud rules

Set your own risk thresholds — block high-risk numbers automatically, or flag them for manual review instead.

Fraud dashboard

See all blocked threats, risk scores, and fraud trends in one dashboard — so you know what's being caught.

Continuous learning

HOVA's fraud detection improves automatically as it learns from new attack patterns across the entire network.

Works automatically

No manual checking required — HOVA runs in the background and blocks threats before they reach your customers.

Fraud Protection
For developers

Live in minutes.

Simple REST API with official SDKs for Node.js, Python, PHP, Go, and Java.

Official SDKs in 6 languages
99.9% uptime SLA
Sandbox for testing
Detailed API docs
View API docs
Node.js · Check fraud risk before sending an OTP
import { Hova } from '@hova/sdk';
const hova = new Hova({ apiKey: process.env.HOVA_API_KEY });

const risk = await hova.fraud.assess({
  phoneNumber: '+233244123456',
  checks: ['sim_swap', 'account_takeover', 'velocity'],
});

if (risk.score > 0.7) {
  return res.status(403).json({ error: 'Blocked due to suspicious activity.' });
}

// Low risk — proceed with OTP
await hova.verify.send({ to: '+233244123456', channel: 'sms' });
Real examples

Businesses using this every day.

Finance

Mobile banking

Catch SIM-swap fraud before a scammer empties a customer's account — even before they try.

Retail

E-commerce

Block fraudulent account creation, promo abuse, and payment scams from repeat bad actors.

Insurance

Insurance

Detect fraud rings filing duplicate or synthetic claims — flag them for review automatically.

Transport

Ride-hailing safety

Flag driver or rider accounts with suspicious device changes or unusual activity patterns.

Telecoms

Telecom protection

Protect your SMS routes from grey-route fraud that inflates your bills artificially.

Government

Government services

Protect digital government platforms from identity fraud and synthetic citizen accounts.

Protect your business from fraud

Sub-50ms detection. No false blocks. Pay per fraud assessment.

Get started free