Global
Processor-agnostic
Protocol-agnostic
Actionable Payments Data for the Agentic Economy
Build confidence with PayOS data before money moves.
Better data, better outcomes: higher auth, lower fraud, smoother checkout, stronger compliance.
Start using PayOS · pay per use · no sales call required
Trusted Partners
Access payments data your PSP doesn't give you.
Know every bit of payments data there is to know.
Onboarding, before and after a payment, or anywhere in between.
Empower your AI with all the payments data
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Card dataBank dataBusiness dataUser dataProfile dataTransaction dataGlobal coverage
Know all about a card, at card add and pre‑auth
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)))
•••• 4242
EMV chip · contactlessTokenization eligible
World Elite creditFunding, brand & country
NetworkPayin & payout eligible
Card artRecognized at checkout
Screen every user: OFAC, PEP, adverse media, liveness
↗
9:41●●●
Unverified
✓ Verified
Business 360: every aspect of a business, understood
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Let AI agents pay safely
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Reorder my usual coffee
Found it at Summit Supply.
Yes, check out
Summit Supply$149.50
Mastercard •••• 4242
Expires 08/29
Authorize $149.50
Powered by PayOS
Recover more failed NSFs, faster
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Understand a bank account before you accept, pay out or process
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JAMIE CHENOwner matchName on account ✓1042
DATE Sep 28, 2026
PAY TO THE
ORDER OFNorthwind Properties$ 2,400.00
ORDER OFNorthwind Properties$ 2,400.00
Two thousand four hundred & 00/100
ACME BANK, N.A.Jamie Chen
⑆021000021⑆ACME BankRTP · FedNow ready4829302210⑈Account openConfidence: high1042
Access global payments data
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Know how to retry failed transactions
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51Insufficient funds✓Retry NowRetry when funds land
61Withdrawal limit✓Retry NowRetry after the limit resets
65Frequency limit✓Retry NowRetry in the next window
91Issuer unavailable✓Retry NowRetry when the issuer is back
Demystify merchant risk before approving
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Card statement••4242
OCT 01UBER *TRIP HELP.UBER$18.40
OCT 02SQ *MERIDIAN 4155$4.75
OCT 02AMZN MKTP US*2K4$32.10
OCT 03PAYPAL *NWSTUDIO$120.00
Meridian Coffee
San Francisco, CA
Coffee shopActiveWebsite live
Merchant risk
Low risk
Link cards and network tokens back to one card
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Apple PayToken ••7781Resolves to PAR••1234
Google PayToken ••3390Resolves to PAR••1234
Online checkoutToken ••5521Resolves to PAR••1234
Chip cardPAN ••4242Resolves to PAR••1234
ONE CARD · ONE PAR
PAR ••1234
Examples of how PayOS can help your business.
Real problems teams bring us, and the exact signals PayOS returns to solve them.
Card Data
I’m a merchant. A card just arrived on my site. What program is really behind it?
PayOS delivers
✓
“Tremendous incentive prepaid”
✓
“Stripe-issued Cross River Bank commercial card”
✓
Program named pre-auth
What PayOS returns
Others stop here
Cross River Bank · Visa debit
PayOS goes further
STRIPE ISSUING
•••• 0331
✓Stripe Cross River Bank commercial card
✓Program manager & category, pre-auth
Program revealed · pre-auth
✓
Bank Data
How do I protect my customers from authorized push payment scams?
PayOS delivers
✓
Recipient ownership verified
✓
Account open & able to receive
✓
A mismatch stops the push
What PayOS returns
VERIFIED ✓
FHFIRST HORIZON BANKNo. 2214
MARIA G. SANTOS
417 Alder Row, Portland OR
Maria G. SantosSIGNATURE
⁂ 067014822 ⁂ •••• 4417 ⌑
✓Owner matches the seller
✓Open · real-time payout reach
✓Bank & business addresses match
Recipient verified · safe to send
✓
Card Data
Is the person paying with this card actually the cardholder?
PayOS delivers
✓
KYC the user · name & address verified
✓
Both match the issuer’s records
✓
3DS cryptogram validated · card art shown
✓
All at card add
What PayOS returns
MERIDIAN BANK
4242 •••• 4242
✓Name & address match the issuer
✓Authenticated via 3DS / passkeys
✓Card passed KYC before
Cardholder confirmed · at card add
✓
Card Data
KYC runs late in my funnel. How do I trust a new user from day one?
PayOS delivers
✓
Card ownership confirmed
✓
3DS / passkey step-up
✓
Program & card art known
What PayOS returns
“Tremendous Rewards”
incentive prepaid · program resolved
✓Prepaid · not KYC’d
✓Official card art returned
Card fully understood · day one
✓
Card Data
One shopper, four cards and wallet tokens. Are those really separate?
PayOS delivers
✓
Every token → one PAR
✓
One identity per account
✓
History visible at signup
What PayOS returns
APPLE PAY · DPAN
•• 7781
GOOGLE PAY · DPAN
•• 3390
E-COM TOKEN
•• 5521
PHYSICAL CARD
•• 4242
ONE PARV0010013…9F2
✓Four credentials · one account
One account · linkage visible
✓
Card Data
I want a total knowledge graph of all my cards and users. Can I build one?
PayOS delivers
✓
Bulk PAR backfill
✓
One node per real account
✓
Velocity rules on the account
What PayOS returns
✓Portfolio backfilled with PAR
✓Velocity rules live on the PAR
One graph · every credential resolved
✓
Bank Data
Before I pay out a seller, does this bank account actually belong to them?
PayOS delivers
✓
Owner matches the seller
✓
Open & able to receive
✓
Real-time payout reach
What PayOS returns
VERIFIED ✓
FHFIRST HORIZON BANKNo. 2214
MARIA G. SANTOS
417 Alder Row, Portland OR
Maria G. SantosSIGNATURE
⁂ 067014822 ⁂ •••• 4417 ⌑
✓Owner matches the seller
✓Open · real-time payout reach
✓Bank & business addresses match
Owned · safe to pay out
✓
Agent Data
An AI agent wants to pay on my customer’s behalf. Can I trust it?
PayOS delivers
✓
Passkey-anchored consent
✓
Card behind the token known
✓
Mandate & velocity checked
What PayOS returns
AI Agent→AGENTIC TOKEN•• 8804
✦ 1.5% cash back
rewards understood
✓Passkey consent anchored
✓Best rewards card picked
Agent payment · safe to approve
✓
Transaction Data
How do I recover NSF declines? My own retry logic still feels like guesswork.
PayOS delivers
✓
Payment activity of the card monitored
✓
Retry Now signal when the card stops NSFing
✓
Recover more and faster
What PayOS returns
WITHOUT · BLIND SCHEDULE
WITH PAYOS · RETRY NOW ⚡
✓One retry, placed on the signal
✓Recovered in hours · no retry fees
Recovered · one retry
✓
Business Data
A merchant was terminated by one acquirer. Did they just mushroom under a new name?
PayOS delivers
✓
Registration & real tenure
✓
Site live & really selling
✓
120+ merchant signals
What PayOS returns
Meridian Coffee LLCREAL ✓
Registered 2019 · site live · selling coffee
Registration & licensingPayment activity & tenureReviews & locationWebsite & cyber
✓One termination ≠ the whole story
✓A mushroomed storefront surfaces fast
Business seen in 360°
✓
User Data
Bad UBOs hop from one business to the next. How do I keep track of the person?
PayOS delivers
✓
Liveness binds the person
✓
Same face → entities linked
✓
Screening follows the owner
What PayOS returns
Apex Retail Ltd
TERMINATED ✕
SAME PERSON · LIVENESS ✓
Nova Retail Inc
APPLYING NOW
✓Same live person behind both entities
✓OFAC · PEP · adverse media follow the owner
Owner tracked · across entities
✓
Bank Data
My sellers are in dozens of countries. Can I verify accounts everywhere?
PayOS delivers
✓
One integration worldwide
✓
Validated per market
✓
Ownership where rails allow
What PayOS returns
✓Ownership where rails support it
✓Seller business validated
✓One integration · every market
Valid · worldwide
✓
Payments need intelligence before money moves.
A processor reports on a payment after it happens.
PayOS delivers the data you need before it does.
before money moves
Money moves
Too late
Before · in time
Decide here.
Before authBefore refundBefore payinBefore payoutBefore onboardingBefore account add
Card or bank account added
Transaction about to be authorized
Business to be onboarded
Agent needs a secure way to pay
Before allowing a user to transact
Retry a transaction
Before initiating a payout
Before approving a transaction as an issuer
Card on file about to be charged
Existing user transacting with a new card
Paying out to a new recipient account
Before approving a refund
Point of no return
After · too late
Too late.
Money moved
Too late
Refund issued
Too late
Bad card, bank account, business or user allowed in
Too late
Agent checked out at a bad merchant site
Too late
Paid out to a fraudulent account
Too late
Act with confidence.
Higher auth rates
Lower fraud
Better conversion & UX
Maintain Compliance
Eliminate network fines
Money moves better
Not a gateway. Not a processor. Definitely not another tool.
PayOS is a new category of data company
for the agentic era.
The destination to verify, validate and deeply understand every entity in a transaction.
Works with your stack, not against it.
Keep your PSP(s) for processing.
PayOS sits alongside them, bringing together the payments data no single provider gives you.
PSPs like their lock-ins.
They won't give you all the payments data. Having all the payments data you need sets you free.
Just complete, portable intelligence from PayOS
so you can run your business on your terms.
PSPs move money. PayOS knows everything about it.
Built for everyone who moves money.
From AI companies and banks to fintechs, processors, marketplaces and enterprise software, if you touch a payment, PayOS works for you.
Featured In
“PayOS, a global payment and services platform built for agentic commerce, provides network tokens for consumer and merchant agents”
The Nilson Report
Newsletter 1294
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