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Recently, using credit cards has been considered one of the essential things of our life due to its pros of being easy to use and flexible to pay. The critical impact of the increment of using credit cards is the occurrence of fraudulent transactions, which allow the illegal user to get money and free goods via unauthorized usage. Artificial Intelligence (AI) and Machine Learning (ML) have become effective techniques used in different applications to ensure cybersecurity. This paper proposes our fraud detection system called Man-Ensemble CCFD using an ensemble-learning model with two stages of classification and detection. Stage one, called ML-CCFD, utilizes ten machine learning (ML) algorithms to classify credit card transactions to class 1 as a fraudulent transaction or class 0 as a legitimate transaction. As a result, we compared their classification reports together, precisely precision, recall (sensitivity), and f1-score. Then, we selected the most accurate ML algorithms based on their classification performance and prediction accuracy. The second stage, known Ensemble-learning CCFD, is an ensemble model that applies the Man-Ensemble method on the most effective ML algorithms from stage one. The output of the second stage is to get the final prediction instead of using common types of ensemble learning, such as voting, stacking, boosting, and others. Our framework’s results showed the effectiveness and efficiency of our fraud detection system compared to using ML algorithms individually due to their weakness issues, such as errors, overfitting, bias, prediction accuracy, and even their robustness level.