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Liveness Check

A three-second selfie proves there is a live human on the other side, not a photo, a replay, a mask or an AI-generated face.

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

See it happen

Three seconds. One selfie. Certainty.

Identity verification
Let’s confirm it’s really you
Center your face in the frame
~3s
median check
0.001%
false acceptance
99.4%
pass-through
The science

One face = one token.

A live face becomes an irreversible token. Nothing else is kept.

1st gen
Passive liveness
2nd gen
Active liveness
3rd gen
3D liveness
4th gen
Tokenized liveness
A live face
A live face
→
one-way
ht_9f2k…4c1
An irreversible token
Selfie deleted.
→
Store it. Check it. Flag it.
StoreCheckFlag
Your own fraud database. Zero PII.
The threat model

Built for the generative-AI era.

Every way an attacker fakes a face, stopped at the camera.

DeepfakesFAKE IDENTIFIED
Deepfakes
An AI-generated or face-swapped video. The pixels are perfect; the presence is not.
Photos & replaysFAKE IDENTIFIED
Photos & replays
A printed photo, or a screen held up to the camera playing a recording.
MasksFAKE IDENTIFIED
Masks
Silicone and 3D-printed masks fail the depth and skin-texture checks.
Camera injectionFAKE IDENTIFIED
Camera injection
A virtual camera feeding synthetic video straight into the browser. Blocked at the source.
Benefits

The one check credentials cannot fake.

Proof of presence
Credentials say who someone claims to be. Liveness proves a real person is actually sitting there, right now. It is the one signal a stolen password, a phished OTP or a synthetic identity cannot produce.
The numbers

Best-in-class, measurably.

Compared against the top-ranked liveness providers on the market, and backed by a financial guarantee against injection and deepfake attacks.

52%
of bad-credit losses at one fintech with over a million customers traced back to serial fraudsters, the exact repeat offenders the face token remembers.
PayOSTop competitor
False acceptancePayOS0.001%Top competitor~1%
Conversion ratePayOS99.4%+Top competitor~96%
Check timePayOS~3 secTop competitor~7 sec
Age biasPayOSNoneTop competitor−5% for 60+
Where teams fire it

The step-up for moments that matter.

Inside a fintech ops teamManual review
Manual review, resolved
A case sits in the review queue because something smells wrong. Instead of a two-day email chain asking for documents, send a liveness link: a real customer clears in seconds, a fraudster never comes back.
Built for anyone who needs a human on the other side:BanksFintechsMerchantsMarketplacesLendersCrypto platformsGig & deliveryHealthcareGovernment servicesAgent platforms
How it plugs in

In your app, or in a text message.

Embed it with the SDK, or send a link over SMS or WhatsApp and let the selfie replace the code.

1Trigger
Your rule picks the moment: a review, a recovery, a payout change, a login that smells wrong.
2Selfie
The customer gets a camera prompt, in your app or from a link. Any smartphone or webcam.
3Verdict
Live human, or deepfake, replay, mask, injection. Back in about three seconds.
4Token
An irreversible face token to store, check or flag. The selfie itself is deleted.