Age of Account

Know how long a bank account has been open before you pay into it or pull from it, because a brand-new account is where fraud hides.

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✕ Without PayOS

Mule and synthetic accounts are opened days before they receive money

Nothing in the account number tells you that

✓ With PayOS

✓Catch mule accounts ✓Stop synthetic identities ✓Fewer returns ✓Smarter limits

Age of Account returns how long the account has been open, so a days-old destination is held or stepped up before funds move.

Why it matters

Built to move the metrics you care about

Every signal returns before you authorize, so it shows up where it counts: approvals, fraud, compliance and conversion.

Accounts opened days before a payout are flagged for review.

New accounts behind new identities stand out immediately.

Established accounts debit and receive cleanly.

Set payout and debit limits by account tenure.

The same signal set drops into the moments that decide an outcome, from checkout to payout to compliance review.

Payout safety

Hold large payouts to accounts opened in the last few weeks.

Onboarding risk

Add tenure to your sign-up risk decision.

Scam prevention

Warn a sender before they pay a brand-new account.

Risk features

Feed account age into your fraud and credit models.