Consumer, small business, BNPL and earned wage lenders: verify the borrower, the card and the bank account, then collect every repayment at the right moment.
Clear more good payments the first time.
A declined installment is retried when the account can pay, not on a blind schedule.
Merchant Advice Codes and Network Response Codes tell you what the issuer will accept next.
Real Time Account Updater refreshes reissued and expired cards before the next due date.
Check the account is open and in good standing before autopay starts.
Know a card is lost, closed or restricted before you schedule a debit.
Verify the account and score it first, so debits stop bouncing back.
Stop bad actors before money moves.
Match the account holder name to the applicant before you disburse.
Card Ownership Verification ties the card to the person applying.
Account Confidence Score with the reasons behind it, at application and payout.
Age of Account flags brand-new accounts often used for loan fraud.
Know if a card is prepaid, reloadable or non-reloadable before accepting it.
Sponsor bank, program manager and card category, before you accept it.
Re-verify ownership whenever a borrower updates bank details.
Payment Account Reference links cards across tokens and re-adds.
Less friction where customers decide.
Verify the disbursement account in real time, with microdeposits as fallback.
Drop in PayOS bank account verification screens instead of building your own.
Know RTP and FedNow reach so approved borrowers get paid instantly.
Know if a card can take a push payout and its limits.
Fast selfie check and identity verification in one flow.
Real card art on the repayment screen, so borrowers recognize it.
Stay inside network rules and AML obligations.
Verify identity, then screen OFAC, PEP and adverse media.
Confirm registration, active status, ownership and payment activity before you underwrite.
OFAC and adverse media on the entity and every beneficial owner.
Confirm the borrower’s address is real and deliverable.
Verify recipient accounts worldwide and screen both sides.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.