Approve more good customers. Stop the rest at the door.
Know the card, the person and the risk at card add and before authorization, for every order, human or agent.
Real questions, answered.
Better approvals
Clear more good payments the first time.
When a renewal declines, PayOS signals the moment the card can pay again, so one well-timed retry saves the subscriber.
One well-timed retry on a PayOS signal replaces blind schedules, so you recover more, sooner, inside network rules.
Match cardholder name, billing address and ZIP with the issuing bank, so good orders clear the first time.
Know when a card is lost, stolen, closed or restricted, and stop charging closed accounts, before you send the auth.
Swap reissued and expired cards for fresh credentials just before you charge, so subscriptions survive a reissue.
Send a UK card through a UK processor. Issuers flag local transactions less often.
Catch closed, invalid, frozen and unauthorized accounts upfront, so ACH returns like R02, R03, R04 and R16 never happen.
Tolls, damage and late fees on a card on file clear with fresh credentials and a retry signal.
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.
Check push-credit eligibility at card add, so nobody re-enters a card at payout time.
Lower fraud
Stop bad actors before money moves.
Verify ownership by matching name, email, address and phone with the cardholder's bank before the first auth.
Compare the issuing bank's country with the shopper's location. A big mismatch is a classic stolen-card sign.
A refund sent to a new token or a reissued card still ties back to the original purchase.
See one cardholder disputing again and again across different tokens and re-added cards.
Ask the shopper to pick their own card art, a test only the real cardholder can pass.
A card from a program that already ran KYC, plus a verified ownership match, is a strong signal from the first interaction.
Run KYC and a liveness check so you know who is on the other side.
Verify the vendor's bank account, then match its owner and address to the business details on file.
PAR links a new account to known history, and the card must belong to the verified identity.
Backfill PAR across every card and token you hold, then watch velocity, loyalty and limits in real time.
Higher conversion
Less friction where customers decide.
Agent or human, know instantly if the card is lost, stolen or closed, before you fulfill.
Use 3-D Secure or passkeys where the issuer supports it or PSD2 requires it, and shift chargeback liability when you do.
Know the card's home currency and offer local pricing shoppers recognize.
Accurate catalog and pricing with checkout that never redirects.
Spot non-reloadable and virtual cards before you set up recurring billing on them.
Verify at collection, then route to any processor with no re-collection.
Better experiences
Payments customers recognize and trust.
Points, promos and tiers stay with the card across Apple Pay, Google Pay, Click to Pay and in store.
Real card art like "Apple Card" at checkout and in settings reduces anxiety and lifts conversion.
Issuer name and contact details on hand for every card.
Surface the card that earns the customer the most on this order.
Online, wallet and in-store activity in one trail.
Stronger compliance
Stay inside network rules and AML obligations.
Daily and weekly limits apply to the card, not to each Apple Pay or Google Pay token.
Avoid re-submitting cards the network already told you will fail.
Identify Reg II regulated debit cards and route them on lower-cost networks.
Use PAR and PayOS collection so raw card numbers never touch your systems.
Verify identity, then screen for OFAC, PEP and adverse media before high-value orders and payouts.
Verify the business and its owners, then screen for OFAC and adverse media before you pay them.
Come build with us.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.