Launch faster, onboard safer, pay out with peace of mind.
Wallets, lending, BNPL, payroll, marketplaces and more: trust users, cards and bank accounts in one platform.
Real questions, answered.
Better approvals
Clear more good payments the first time.
Confirm the account is open and valid and see its bank, in real time.
Know RTP and FedNow reach and score the account first.
Payout eligibility and limits from the first digits.
Retry follow-up installments when funds are there, with fewer manual steps.
Check the account can be debited before scheduling repayments.
Trigger conditional auto top-ups on a funds-available signal.
Lower fraud
Stop bad actors before money moves.
Confirm ownership of every card and bank account at link time.
Confirm card ownership, authenticate with 3-D Secure or passkeys, and know the card, even before KYC.
Others stop at Cross River Bank Visa debit. PayOS tells you it is a Stripe-issued Cross River Bank commercial card, with its program manager and category, pre-auth.
Commercial, prepaid, gift and high-risk categories as model and rule inputs.
Verify businesses and owners before their first payout.
Validate the vendor, its account and the owner before AP releases funds.
Risk-tier every new account and block the ones being probed.
Gate the first payout and every bank change.
Higher conversion
Less friction where customers decide.
A fast selfie check and identity verification, with clean profile data.
Real-time verification with RTP fallback.
Gig workers and sellers withdraw to their bank in seconds.
Instant pulls with Request for Payment where the bank supports it.
Better experiences
Payments customers recognize and trust.
Real card art everywhere a card appears.
Surface rewards so users pick the card that pays them back.
Real merchant names and logos in PFM, wallet and BNPL activity.
Fewer employee disputes on corporate cards.
Stronger compliance
Stay inside network rules and AML obligations.
Verify identity, then screen for OFAC, PEP and adverse media in the onboarding flow.
Verify recipient accounts worldwide and screen both sides.
Verify the business and owners, then screen for OFAC and adverse media at onboarding and payout.
Verify every seller and their bank account, wherever they are.
Validate the direct-deposit account and owner before the first payroll.
Screen every user against sanctions, PEP and adverse media.
Come build with us.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.