Methods, computer-readable media and devices for calculating fraud scores for pending payment transactions are disclosed. A method includes a processor receiving a request for a fraud score. The request comprises a notification of a pending payment transaction that is associated with a credit card of a user and associated with a first location. The processor then detects a location of a device associated with the user, calculates a fraud score based upon the location of the device and the first location, and sends a response comprising the fraud score that is calculated.