Feed your models the data processors never share.
Network-grade card, bank, merchant and identity signals, available pre-auth and at card add.
Real questions, answered.
Better approvals
Clear more good payments the first time.
Confirm ownership instead of guessing from behavior.
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.
Lower fraud
Stop bad actors before money moves.
Attributes that separate good cards from bad, beyond PAN and BIN.
Rotating wallet tokens no longer resets your counters.
Repeated disputes across tokens and re-added cards tie back to one PAR.
Issuing country vs. device or IP location as a feature.
Tie activity to a real, verified person.
A score and reasons on the destination account.
Standardized account status, ownership and score for your decision engine.
Aggregate advice codes to spot patterns early.
Higher conversion
Less friction where customers decide.
Stronger compliance
Stay inside network rules and AML obligations.
Resolve descriptors and merchants to real businesses with evidence.
Identity verification plus OFAC, PEP and adverse media, returned as rule-ready codes.
Business verification plus OFAC and adverse media on the entity and its owners.
Come build with us.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.