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← Intelligence Platform

Verify users before payments happen.

User Data confirms a real, live person is who they say they are: liveness, identity, sanctions, PEP and adverse media in one call. Then the KYC'd name and address prove ownership of their card and bank account too.

Jordan Lee✓
Jordan Lee · 04/12/1991
123 Main St, Austin TX · SSN •••••6841
Liveness matched
Liveness check
Live person present, no deepfake or replay
✓Live
ID
Identity verified
Name, DOB & SSN match bureau records
✓Match
OFAC & global sanctions
SDN, EU, UN & UK consolidated lists
✓Clear
PEP screening
Politically exposed persons & associates
✓Clear
Adverse media
Fraud, laundering & financial-crime coverage
✓No hits
Reuse the KYC'd identity
The verified name & address prove account ownership downstream:
Card · 4242
Name & address vs issuer
Owner ✓
⑆ 0210 ⑆
Bank · 8834
Name vs account on file
Owner ✓
Safe to serve · anchor card & bank payments to this identity 1.9s

Know the person before the payment.

One call establishes who the user is, whether they are safe to serve, and anchors every later card and bank check to a verified identity.

yourapp.com · Liveness check
Live selfie
PresenceLIVE PERSON
DeepfakeNOT DETECTED
InjectionNOT DETECTED
Analyzing face…
Is a real person present?
Liveness check
One selfie frame captured
Presence confirmed, not a photo or replay
Deepfakes, masks & injection ruled out
Proceed with the payment

Verify the person before the payment.

KYC, sanctions, PEP and adverse-media screening, tuned to your risk appetite rather than one rigid bar.

01
Account opening
Verify identity at signup with match levels tuned to your risk.
KYC
02
Sanctions screening
Screen against global watchlists at onboarding and ongoing.
OFAC
03
PEP & adverse media
Know when a customer carries political exposure or negative news.
Screening
04
Step-up moments
Re-verify on high-risk actions: payout changes, large sends.
Risk-based
05
Cross-border compliance
Meet KYC obligations across jurisdictions with one integration.
Global
06
Owner verification
KYC the beneficial owner, then verify their card and bank too.
Linked checks

Pass more good users. Block the bad ones.

More good users pass
Minor typos pass, so real users get through.
Risk-tuned friction
Low-risk users glide through. Friction scales with risk.
Regulator-ready
A CIP-grade 4/4 option when regulation demands it.
Thin files captured
Captures thin-file customers strict rules reject.
One call, every list
Identity, OFAC, PEP and media in a single request.
Better UX
Verification that feels like part of the product.

Identity and compliance, in one request.

Run identity verification and every screening check together, with no extra latency or integrations. Configure the exact balance of compliance and conversion your product needs.

You send once 1 request
NameJordan Lee
DOB04 / 12 / 1991
AddressAustin, TX
SSN•••••6841
OS
Every check runs together

Identity Verification

Confirm a person is real and who they claim to be, with a configurable balance of assurance and conversion.

Watchlist Screening

Screen against thousands of global sanctions, PEP and adverse-media sources to meet AML obligations.

Actionable Match Intelligence

Every hit comes with a relevancy score, matched detail and source, so your team can decide fast.

✓ One response: verified, screened, safe to serve · no extra latency

Everything a user check returns, in one call.

One request fans out into every signal PayOS returns, grouped and ready to act on.

Identity
One identity in. Every check out.
Screening (AML)
OFAC / sanctions PEP Adverse media Global watchlists EU / UN lists
Identity (KYC)
Name & DOB match Document check Address match Phone / email Liveness
Liveness & Presence
Live person present Deepfake detection Photo / replay detection Camera injection Face-to-token
Risk & Assurance
Risk score Confidence Match reason codes KYC level Match strength
+40
more signals
every response
Watchlist source details Document forensics Device & velocity Adverse media sources Match reason codes
and way more

Four levels of identity check. You choose per flow.

A gaming sign-up needs a light check. A bank account needs a full one. Each level below adds more proof, and more friction, so match the level to the risk of the flow.

1

Growth

Name + (DOB or Address or SSN)

Waitlists, lead gen and low-value accounts. Zero-friction, checks a real human exists.

2

Standard

Name + Address + (DOB or SSN)

The financial-app baseline for e-commerce, gig onboarding and general payouts.

3

Inclusive

(Name + DOB + SSN) or (Name + Address + DOB)

Thin-file and Gen Z users. Two paths to pass capture customers strict rules reject.

4

Bank Grade

Name + Address + DOB + SSN (all 4)

CIP-regulated accounts, lending and large transfers. Highest assurance; often paired with step-up.

Compliant onboarding for every industry.

Fintech

Neobank & fintech onboarding

Meet AML/KYC obligations with lean teams, screening seamlessly inside sign-up.

Crypto

Crypto & digital assets

Demonstrate compliance under heightened scrutiny by screening every user before access.

Platforms

Marketplaces & gig

Ensure no party to a money movement is a sanctioned individual.

Lending

Lending & credit

Verify identity to bank grade before issuing loans or credit lines.

Regulated

Gaming & betting

Apply enhanced due diligence and PEP checks for regulated gambling accounts.

Insurance

Insurance & claims

Screen policyholders and claimants to avoid paying sanctioned or high-risk parties.

Know your user before you take a payment.

Start free with generous monthly usage. Verify identity and screen against global watchlists in one seamless call.

Start Building