As the digital payments landscape expands, the industry faces the dual challenge of ensuring a seamless user experience while protecting against rising fraud incidents, which saw a 45% increase between 2019 and 2020. To combat fraud, modern technologies are being adopted, including biometric liveness detection, which enhances security by verifying a live user through active or passive triggers. Additionally, advancements in 3D Secure protocols aim to improve transaction security with token-based and biometric authentication, reducing reliance on static passwords. The protection of Personally Identifiable Information (PII) on the backend is crucial, as consumers remain wary of storing payment details online, prompting the use of AI and machine learning for robust security measures. Furthermore, expanding datasets via search-powered solutions helps fraud analysts better understand behavioral patterns and quickly detect anomalies, leveraging Elastic's tools to unify and analyze data across different formats for improved fraud detection and prevention.