Case Study: Kiva achieves a 10x reduction in transaction reviews and improved fraud detection with PayPal Fraud Protection Advanced

PayPal Fraud Protection Advanced Leveraging rich data intelligence to help Kiva focus on enriching lives

Kiva is a global nonprofit that crowdfunds loans to expand financial access for underserved communities, with 2.2M lenders and over $2B in funded loans. Facing hundreds to thousands of manual transaction reviews each month and many false positives, Kiva sought a reliable, machine-learning fraud solution to streamline operations and let staff focus on their mission.

Kiva deployed PayPal Fraud Protection Advanced (FPA) via its existing PayPal Braintree integration, using FPA’s adaptive ML risk model, conditional filters, and built‑in analytics. The result: a dramatic drop in manual reviews (about a 10x decrease in weekly reviewed transactions and a reported 200% reduction in average review rate), no increase in chargebacks, simpler rules management, richer reporting, and a 9/10 customer satisfaction rating.

Kiva

Zazil Ortega

Senior Manager, Credit Operations