Now self-serveAccess PayOS data to make better payment decisions, no sales call needed.Start building →
Global Processor-agnostic

Actionable Payments Data for the Agentic Economy

Before money moves, PayOS resolves every entity in the transaction into raw, verified data. Better data, better outcomes: higher auth, lower fraud, smoother checkout, stronger compliance.

Start Building Explore Products
Start using PayOS · pay per use · no sales call required
Trusted Partners
American Express
UnionPay International
Discover
Mastercard
Visa

Access payments data your PSP doesn't give you.

One platform to know any entity completely, any time.
Onboarding, before and after a payment, or anywhere in between.

Empower your AI with all the payments data
Know all about a card, at card add and pre‑auth
•••• 4242 Card art revealed by PayOS CARD ART ✓
Understand a bank account before you accept, pay out or process
ACME BANKNo. 1027
⑆ 021000021 ⑆ 8834 2210 ⑈
✓
Business 360: every aspect of a business, understood
Meridian Coffee LLC
Registered ✓ 120+ signals Reviews · Web · Cyber
Recover more failed NSFs, faster
DECLINED · NSF · $100 RETRY NOW · signal APPROVED · $100 ✓
Demystify merchant risk before approving
SQ *SIGHTGLASS 4155 ↓
Sightglass Coffee ✓
MCC 5814 · San Francisco · Low risk
Let AI agents pay safely
Checkout
Card number
•••• •••• •••• 4242
Name
Hugh Man
Exp / CVC
12/28 · •••
Filled by agent · agentic token Paid ✓
Screen every user: OFAC, PEP, adverse media, liveness
OFAC ✓ PEP ✓ Adverse media ✓ Live person ✓
Link cards and network tokens back to one card
Pay · DPAN 7781 Pay · DPAN 3390 E-com token 5521 Chip · PAN 4242
ONE CARD PAR 4V3X…M2Q91234 •••• 4242
Know how to retry failed transactions
↗
51NSFCAT 2 61Over limitCAT 2 91Issuer downCAT 2 N7CVV2CAT 3 54ExpiredCAT 3 05Do not honorCAT 4
SUCCESS ✓
SUCCESS ✓
SUCCESS ✓
RETRY
NOW

Access global payments data

↗

Cards, bank accounts, businesses and people, resolved in every market you operate in. One integration, worldwide reach.

Examples of how PayOS can help your business.

Real problems teams bring us, and the exact signals PayOS returns to solve them.
Your problem

I’m a merchant. A card just arrived on my site. What program is really behind it?

PayOS delivers
“Tremendous incentive prepaid”
“Stripe-issued Cross River Bank commercial card”
Program named pre-auth
Card Data
What PayOS returns
Others stop here
Cross River Bank · Visa debit
PayOS goes further
STRIPE ISSUING
•••• 0331
✓Stripe Cross River Bank commercial card
✓Program manager & category, pre-auth
Program revealed · pre-auth

You act with confidence.

Higher auth rates

Approve more legitimate payments on the first attempt.

Lower fraud

Identify high-risk instruments and actors before authorization.

Better conversion & UX

Recognize the card, present its art, and apply loyalty and rewards.

Maintain Compliance

KYC, KYB and sanctions screening, with velocity and transaction controls.

Eliminate network fines

Validate before authorizing and stay within network integrity programs.

Money moves better

Higher approvals, lower fraud, fewer fines and a better customer experience, on every dollar you move.

Payments need intelligence before money moves.

A processor reports on a payment after it happens.
PayOS delivers the data you need before it does.

Before · in time
Decide here.
Before authBefore refundBefore payinBefore payoutBefore onboardingBefore account add
Card or bank account added
Transaction about to be authorized
Business to be onboarded
Agent needs a secure way to pay
Before allowing a user to transact
Retry a transaction
Before initiating a payout
Before approving a transaction as an issuer
Card on file about to be charged
Existing user transacting with a new card
Paying out to a new recipient account
Before approving a refund
After · too late
Too late.
Money moved
Too late
Refund issued
Too late
Bad card, bank account, business or user allowed in
Too late
Agent checked out at a bad merchant site
Too late
Paid out to a fraudulent account
Too late

Not a gateway. Not a processor. Definitely not another tool.
PayOS is a new category of data company
for the agentic era.

The destination to verify, validate and deeply understand every entity in a transaction.

Works with your stack, not against it.

Keep your PSP(s) for processing. PayOS sits alongside them, bringing together the payments data no single provider gives you.

PSPs like their lock-ins. They won't give you all the payments data. Having all the payments data you need sets you free.

Just complete, portable intelligence from PayOS - so you can run your business on your terms.

Your company
App, checkout, billing, agents
OS
PayOS
The payment intelligence layer
Payment processing stack
Orchestration, PSPs, gateways, rails
PSPs move money. PayOS knows everything about it.

Built for everyone who moves money.

From AI companies and banks to fintechs, processors, marketplaces and enterprise software, if you touch a payment, PayOS works for you.

AI Agents
Agents that pay and get paid
Banks
Sharper fraud, auth & verification
Fintechs
Launch payment products faster
Payment Processors
Add intelligence, keep your stack
Issuer Processors
Enrich auth with live intelligence
Marketplaces
Know every buyer and seller
Merchants
Accept payments with confidence
XB Money Movement
Move money across borders safely
Enterprise Software
Payment intel inside your systems
Your Company Here
If you touch a payment, PayOS works for you.

Ideas from the payment intelligence frontier.

View all posts
P Self-serve portal
Actionable payments data
for the agentic economy
Available globally

Every PayOS Product, Now Self-Serve

Card, bank, business, identity, payment performance and agentic payments: every PayOS product is now available through the self-serve portal.

Read more
September 30, 2026San Francisco
P Self-serve portal
Actionable payments data
for the agentic economy
Available globally

PayOS Launches Self-Serve Portal for the World

A global self-serve portal that gives any company, anywhere, the actionable payments data behind every decision to move money.

Read more
September 27, 2026San Francisco
PayOS + Browserbase
A credential to pay A browser to shop

Agents Are Ready to Pay. The Web Is Ready to Sell. PayOS + Browserbase Make It Real.

PayOS and Browserbase are partnering to close the last gap in agentic commerce: agents that can reach any website and pay on it, securely.

Read more
September 2, 2026San Francisco
AGENTIC TOKEN
•••• 4242
CRYPTOGRAM ONE-TIME
Identity Intent Auth Assurance

Why Agentic Tokens Are the Right Payment Instrument for AI Agents

AI agents are starting to spend money. PayOS explains why agentic tokens, not stored cards or virtual cards, are the right payment instrument for AI agents.

Read more
March 13, 2026San Francisco
LIVE TRANSACTION
AGENTIC TOKEN
•••• 5301
mastercard

One Small Step for PayOS. One Giant Leap for Agentic Commerce.

PayOS performs a live agentic token transaction in partnership with Mastercard, a landmark milestone using a Mastercard Agentic Token in agentic commerce.

Read more
September 29, 2025San Francisco

Deep dives on the future of agentic payments.

View all whitepapers
Agentic Payments Need a Foundation of Trust and Safety

Agentic Payments Need a Foundation of Trust and Safety

Virtual cards, agentic tokens, and everything else that has to be true before AI assistants can be trusted to pay. Why the agentic token, a tokenized form of the consumer’s own card, is the right foundation for agentic payments.

Read the white paper
Building Trust in Agentic Commerce

Building Trust in Agentic Commerce

With AI agents making purchases on behalf of users, customers may never land on your site at all. How do you handle fraud and trust when no human clicks "buy"? Explored with Sardine.

Read the white paper
Know Your Agent (KYA): An Identity Framework for Trusted Agentic Commerce

Know Your Agent (KYA): An Identity Framework for Trusted Agentic Commerce

There is no fast, reliable way to verify an agent’s origin, ownership or user intent. Co-written with Trulioo, this paper introduces the Digital Agent Passport: a tamper-proof identity layer for agent-led interactions.

Read the white paper
Featured In
Nilson Report Coverage

“PayOS, a global payment and services platform built for agentic commerce, provides network tokens for consumer and merchant agents”

The Nilson Report Read more on Nilson Report