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‹User Data

KYC

Configurable identity verification, from zero-friction growth sign-ups to bank-grade CIP, so you match risk to the moment.

Start using PayOS, pay per use. No sales call required.

A KYC-verified owner powers card and bank checks
One verified identity flows into every downstream check, so fraud is stopped before a card or bank account is ever added.
Four levels, matched to the moment
LEVEL 1
Growth
Confirm a real human. Zero-friction sign-ups.
LEVEL 2
Standard
Name, address and DOB match for payouts.
LEVEL 3
Enhanced
Thin-file and Gen Z, flexible identifiers.
LEVEL 4
Bank-grade CIP
Full CIP for regulated accounts and lending.
✕ Without PayOS
One-size-fits-all identity checks either add friction or reject good customers.
✓ With PayOS
✓Configurable levels ✓Flexible matching ✓Maximize conversion ✓Inclusive by design
Pick the verification level per flow and match on partial identifiers to lift pass rates.
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.

Configurable levels

Four levels from growth to bank-grade CIP.

Flexible matching

Match on last-4 SSN, ZIP or birth year.

Maximize conversion

Low-risk users enter with minimal friction.

Inclusive by design

Approve thin-file and Gen Z users strict rules reject.

Real problems, solved before money moves.

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

Waitlist sign-ups
Level 1 confirms a real human, nothing more.
Gig onboarding
Level 2 verifies workers before payouts.
Neobank for Gen Z
Level 3 approves thin-file young adults.
Regulated accounts
Level 4 meets CIP for banks and lending.