In the recent era, everybody is dealing with the digital data. In such scenario individual one heavily depends on credit card. Therefore, the demand of online transactions and usage of e-commerce sites are rising at the rapid rate. The online payments are the main cause of increasing crime rate heavily. Hence, it is the biggest challenge for the IT Sector to identify and solve such critical problems. This critical issue can be tackled with the help of machine learning. This paper mainly emphasis on various data mining algorithms such as like C4.5, CART algorithms, J48, Naïve Bayes algorithm, EM algorithm, Apriori algorithm, SVM and so on and also inform the accuracy and precision of the result. The machine learning finds the genuine and non-genuine transition using learning pattern matching and classification technique. The machine learning also normalized the data, identify the anomalies in transaction and provide appropriate results. © 2022 Elsevier B.V., All rights reserved.