Experian and Fiserv Team Up to Stop AI Fraud Without Blocking Real Customers

Experian announced on May 27, 2026 that Experian Link now delivers real-time debit card verification through a new integration with Fiserv, adding debit card ownership confirmation to a platform that previously focused on credit card and identity verification.

It also addresses a fraud problem that has grown significantly more acute as AI tools have made synthetic identity attacks faster and harder to detect, according to the press release.

The timing of the announcement reflects a specific dynamic in merchant fraud prevention in 2026. Generative AI has lowered the barrier for fraudsters to scale attacks, mimic legitimate consumer behavior, and exploit payment system vulnerabilities at a speed that outpaces traditional detection methods.

The merchant response has had an unintended consequence: more false declines, where legitimate customers are blocked from completing transactions they actually intend to make. That tension is the problem Experian Link is designed to resolve.