Use cases
Feed your models the data processors never share.
Network-grade card, bank, merchant and identity signals, available pre-auth and at card add.
PayOS
Real questions, answered.
What teams like yours ask, and exactly what PayOS returns.
Your problem
I’m a fraud-detection company. I work for an issuer. A transaction just arrived with this statement descriptor. Should I approve it?
PayOS delivers
✓
Descriptor resolved to the real merchant
✓
Merchant risk, category and location known
✓
Approve, decline or step up before the auth clears
Transaction Data
What PayOS returns
Statement descriptor lookup
Descriptor✓SQ *MERIDIAN 4155
Merchant✓Meridian Coffee
Risk✓Standard
Merchant identified
✓
Your problem
I’m a fraud-detection company. One shopper, four cards and wallet tokens. Are those really separate?
PayOS delivers
✓
Every token → one PAR
✓
One identity per account
✓
History visible at signup
Card Data
What PayOS returns
APPLE PAY · DPAN
•• 7781
GOOGLE PAY · DPAN
•• 3390
E-COM TOKEN
•• 5521
PHYSICAL CARD
•• 4242
ONE PARV0010013…9F2
✓Four credentials · one account
One account · linkage visible
✓
Your problem
I’m a fraud-detection company. Is the person paying with this card actually the cardholder?
PayOS delivers
✓
KYC the user · name & address verified
✓
Both match the issuer’s records
✓
3DS cryptogram validated · card art shown
✓
All at card add
Card Data
What PayOS returns
MERIDIAN BANK
4242 •••• 4242
✓Name & address match the issuer
✓Authenticated via 3DS / passkeys
✓Card passed KYC before
Cardholder confirmed · at card add
✓
Your problem
I’m a fraud-detection company. A card just hit our client’s checkout. 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
✓
Your problem
I’m a fraud-detection company. Can we build a knowledge graph of every card and user our clients see?
PayOS delivers
✓
Bulk PAR backfill
✓
One node per real account
✓
Velocity rules on the account
Card Data
What PayOS returns
✓Portfolio backfilled with PAR
✓Velocity rules live on the PAR
One graph · every credential resolved
✓
Your problem
I’m a fraud-detection company. A merchant was terminated by one acquirer. Did they just mushroom under a new name?
PayOS delivers
✓
Registration & real tenure
✓
Site live & really selling
✓
120+ merchant signals
Business Data
What PayOS returns
Meridian Coffee LLCREAL ✓
Registered 2019 · site live · selling coffee
Registration & licensingPayment activity & tenureReviews & locationWebsite & cyber
✓One termination ≠ the whole story
✓A mushroomed storefront surfaces fast
Business seen in 360°
✓
Your problem
I’m a fraud-detection company. Bad UBOs hop from one business to the next. How do I keep track of the person?
PayOS delivers
✓
Liveness binds the person
✓
Same face → entities linked
✓
Screening follows the owner
User Data
What PayOS returns
Apex Retail Ltd
TERMINATED ✕
SAME PERSON · LIVENESS ✓
Nova Retail Inc
APPLYING NOW
✓Same live person behind both entities
✓OFAC · PEP · adverse media follow the owner
Owner tracked · across entities
✓
Your problem
I’m a fraud-detection company. How do we flag authorized push payment scams before the money leaves?
PayOS delivers
✓
Recipient ownership verified
✓
Account open & able to receive
✓
A mismatch stops the push
Bank Data
What PayOS returns
VERIFIED ✓
FHFIRST HORIZON BANKNo. 2214
MARIA G. SANTOS
417 Alder Row, Portland OR
Maria G. SantosSIGNATURE
⁂ 067014822 ⁂ •••• 4417 ⌑
✓Owner matches the seller
✓Open · real-time payout reach
✓Bank & business addresses match
Recipient verified · safe to send
✓
Your problem
I’m a fraud-detection company. Can we know a card is lost, closed or restricted before our client sends the auth?
PayOS delivers
✓
Card status before the auth
✓
Issuer advice decoded
✓
Fewer avoidable declines
Card Data
What PayOS returns
Network response & advice codes
Lost / stolen✓No
Account✓Open
Issuer advice✓OK to send
Safe to send · pre-auth
✓
Your problem
I’m a fraud-detection company. Is this account safe to pay out to right now?
PayOS delivers
✓
One score with clear reasons
✓
Account age known
✓
Approve, decline or ask
Bank Data
What PayOS returns
Account Confidence Score
Confidence✓92 · low risk
Account age✓6+ years
Decision✓Approve
Safe to pay out
✓
Your problem
I’m a fraud-detection company. Is this user real, sanctioned or politically exposed, and is their address real?
PayOS delivers
✓
Liveness check · a live person
✓
OFAC, PEP & adverse media screening
✓
Address & email verified
User Data
What PayOS returns
Identity & profile
Liveness✓Live person
OFAC · PEP✓Clear
Address · email✓Verified
User verified · clear
✓
Your problem
I’m a fraud-detection company. Before I onboard this business, is it real and clear of sanctions?
PayOS delivers
✓
Registration & owners verified
✓
OFAC screening on entity & owners
✓
Adverse media checked
Business Data
What PayOS returns
KYB & business screening
Registration✓Active
OFAC✓Clear
Adverse media✓None found
Business cleared
✓
01
Better approvals
Clear more good payments the first time.
Cut false positives
Confirm ownership instead of guessing from behavior.
Card Ownership Verification
BIN Data
Know the program behind every card
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.
Card Extra
BIN Data
02
Lower fraud
Stop bad actors before money moves.
Enrich models with deep card features
Attributes that separate good cards from bad, beyond PAN and BIN.
BIN Data
Card Extra
Network Response Codes
Run velocity on the card, not the token
Rotating wallet tokens no longer resets your counters.
Payment Account Reference
Detect first-party fraud
Repeated disputes across tokens and re-added cards tie back to one PAR.
Payment Account Reference
Flag a card far from its home
Issuing country vs. device or IP location as a feature.
BIN Data
Add identity to every decision
Tie activity to a real, verified person.
Liveness Check
KYC
Catch payout takeovers in real time
A score and reasons on the destination account.
Account Confidence Score
Bank Ownership Verification
Add bank trust signals as features
Standardized account status, ownership and score for your decision engine.
Account Confidence Score
Bank Account Verification
Watch declines at the issuer and BIN level
Aggregate advice codes to spot patterns early.
Merchant Advice Codes
03
Higher conversion
Less friction where customers decide.
04
Stronger compliance
Stay inside network rules and AML obligations.
Explain merchant risk
Resolve descriptors and merchants to real businesses with evidence.
Business 360
Statement Descriptor Lookup
KYB
KYC and screen every person
Identity verification plus OFAC, PEP and adverse media, returned as rule-ready codes.
KYC
OFAC / Sanctions Screening
PEP Screening
Adverse Media Screening
KYB and screen every business
Business verification plus OFAC and adverse media on the entity and its owners.
KYB
Business OFAC Screening
Business Adverse Media
Come build with us.
Every PayOS product is à la carte. Bring your flow, and we'll build the right data into it together.
PayOS