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‹Transaction Data

Statement Descriptor Lookup

Send the raw descriptor from a statement or decline and PayOS returns the real business behind it: identity, payfac, location, lifecycle, digital footprint and risk signals.

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

One descriptor in. The whole business out.
You sendSQ *MERIDIAN COFFEE→Full merchant profile
From descriptor
Meridian Coffee Co.
payos_10••••••87
MCC 5814San Francisco, CA
MCC5814 · Fast Food
IndustryEating places
ChannelBrick & mortar
TenureEstablished
Active (30d)Yes
PayfacToast · POS
Website cyberGrade B · Low
SSLValid cert
GeocodeRooftop
HostingCloudflare
ProfileComplete
Risk signalPayfac-masked ID
Years active8+
Business typeLLC · Registered
Legal entityResolved
Reviews4.6 · High
AcceptanceVisa · MC · Amex
SanctionsClear
120+ merchant signals returned in one call

“What is this charge?”

Every unrecognized line on a statement is a support ticket, or a chargeback. The string is not the problem. Nobody knows what it means.

What they see today
SQ *MERIDIAN COFFEE
$18.40
TST* 8891 CHI
$42.15
PP*DIGITALGOODS
$9.99
They file a dispute.
With PayOS
Meridian Coffee
Coffee shop · San Francisco, CA
$18.40
Lakeview Kitchen
Restaurant · Chicago, IL
$42.15
Northgate Media
Digital goods · Online
$9.99
They remember buying it.

Built for the teams reading the statement.

IssuersIssuer ProcessorsReal-time monitoring
A transaction comes in
SQ *SIGHTGLASS 4155
You evaluate risk
The string alone tells you nothing
OS
PayOS splices the descriptor
Sightglass Coffee ✓MCC · location · tenure · risk
You act
✓Approve
✕Decline
?Ask for more info
→Manual review

Four answers out.

No integration with the merchant. No asking your processor. One descriptor is enough.

Who it really is
The legal business, not the acquirer prefix.
Where it happened
Geocoded to the storefront, with a precision flag.
Whether it is real
Tenure, activity and website grade on the merchant.
What it should be called
A clean display name your customers recognize.
Real example
A cardholder calls about “TST* 8891 CHI”. Support pastes the string into PayOS and answers in seconds: Lakeview Kitchen, a restaurant in Chicago, active 6 years. No dispute filed, no chargeback fee.