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Pricing

Option 1

Pay as you go

Buy credits, spend them per call. No subscription, no contract.

✓Pre-purchase credits
✓No subscription, contract or monthly minimum
✓Published credit rate for every product
✓Auto-reload to keep you running
✓Credits never expire
See per-product rates
Fund & start building
Option 2

Volume based

For heavier volumes, where you can forecast your usage.

✓Volume-based per-call rates for every product
✓Invoicing & net terms
✓Data evaluations: batch & portfolio scoring
✓Sales training, including artifacts as necessary
✓Dedicated Slack support
Talk to us about volume pricing

Pay as you go rate card

These rates apply to the Pay as you go option. Prices are in credits you pre-purchase, with no subscription, contract or monthly minimum.

1 credit ≈ 1¢ · $1 ≈ 100 credits

Card Data ›
BIN Lookup
2 credits
Payment Account Reference
PAR
3 credits
Card Rewards
Earn rules & best card
1 credit
Card Ownership Verification
AVS + CVV2 · domestic
8 credits
Card Ownership Verification
AVS + CVV2 · international
12 credits
Account Name Inquiry (ANI)
Add-on
+14 credits
Card Metadata
Add-on
+3 credits
Card Extra
Coming soon
Bank Data ›
Bank Account Verification
Account + ownership
70 credits
Account Confidence Score
Add-on
+30 credits
Routing Number Lookup
2 credits
Complete Bank Verification
Verification + routing + confidence score
102 credits
Microdeposits
80 credits
Global Bank Verification
150 credits
User Data ›
KYC
33 credits
OFAC, PEP & Adverse Media Screening
All three, total
15 credits
Address Verification
US
1 credit
Business Data ›
KYB
125 credits
Business OFAC & Adverse Media Screening
Both, total
15 credits
Merchant Lookup
10 credits
Business 360
Coming soon
Transaction Data ›
Intelligent Retries
Private pricing
Agent Data ›
Agentic Tokens
1 credit
Add-ons are charged on top of the base lookup. For volume-based pricing, private pricing or coming-soon products, contact PayOS.