Protect every account, card and transfer before money moves.
Let cardholders pay anywhere with your card, fund accounts from any card, and verify every counterparty before funds leave.
Real questions, answered.
Better approvals
Clear more good payments the first time.
Issue agentic tokens on your own cards so cardholders can pay through AI agents and any merchant, with passkey consent from the bank.
Know if the card is debit, credit or prepaid, who issued it, and whether it can fund an account before you pull.
See TCH RTP and FedNow reach per routing number before you send.
Validate the IBAN and account abroad, then screen the recipient, before the wire goes out.
Lower fraud
Stop bad actors before money moves.
Confirm the destination is open and belongs to the named recipient before funds leave.
A changed payout account is the riskiest moment. Run the strongest check only then.
Stop authorizations at merchants with scam, sanctions or high-risk signals.
A high-risk score on an outbound payment pauses it for a call.
Higher conversion
Less friction where customers decide.
Real-time verification, with an instant RTP microdeposit fallback.
Check the account is open, owned by your customer and able to be debited before it is added as a payee.
Liveness, identity, address and email in one short flow.
Better experiences
Payments customers recognize and trust.
Clean merchant name, logo and location on every transaction in the banking app.
Turn a cryptic descriptor into the business behind it when a cardholder asks.
Every agent payment on your card is tied to a verified person and a consented mandate.
Stronger compliance
Stay inside network rules and AML obligations.
Prove a live person at account opening, then again on new devices, payee changes and large transfers.
Verify identity, then screen for OFAC, PEP and adverse media in one flow.
Verify registration and ownership, then screen for OFAC and adverse media.
Reason codes and request IDs show why a payment was allowed, reviewed or denied.
Come build with us.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.