Card intelligence on cards vaulted with Stripe.

Stripe forwards the card to PayOS, we run the operations you specify, and you receive the results. Your systems never handle the card number, so your PCI scope is unchanged.

How forwarding works.

Your systems appear only at the first and last step.

You call Stripe

Creates a forwarding request against a vaulted card.

YOUR SERVER

Stripe forwards the card

Injects the card details and delivers them to PayOS.

STRIPE VAULT

PayOS analyzes

Runs your operations in parallel, then discards the card.

PAYOS EDGE

You read the results

One result per operation, returned inside Stripe’s response.

YOUR SERVER

Steps two and three occur between Stripe and PayOS. Your servers never receive the card number.

The full Card Data suite, on your vaulted cards.

Every Card Data service is available through forwarding.

VISA

4242 •••• 4242

A. RIVERA 09/28

From your Stripe vault

PayOS

Everything we know about it

Issuer & network Funding type Country & currency PAR Card art Prepaid detail Rewards program Verification results 3-D Secure result Decline guidance

Card Verification Name, address, security code and cryptogram checks. Payment Account Reference One durable ID across tokens, wallets and reissues. Card Extra Card art, issuer contacts, prepaid and program detail. BIN Data Issuer, network, funding type, country and capabilities. Card Rewards Program, earn rates and category multipliers. 3-D Secure Authentication plus the result code behind it. Merchant Advice Codes Why a decline happened and what to do next.

Every card inquiry PayOS offers can be supported this way. Specify the operations in your forwarding request. Results return in the same structure as any other channel.

How card data is handled.

No card data is retained, so there is nothing to retrieve, rotate or delete.

No retention The card exists in memory for a single request, then is discarded.

Scoped credentials Keys are environment-specific. Test credentials cannot reach production.

Silent errors Error responses never echo request contents.

Get started with forwarding.

We enable forwarding and provide your keys and a sandbox test-card list. Stripe-side enablement takes longest, so begin there.