PayOS

Founded by Johnathan McGowan in 2023

Verify payment entities, cards, and bank accounts before processing transactions across global payment rails

Pricing model

Free, Paid

Rating

★ Positive

Time to value

Quick setup

You can use PayOS to inspect and verify payment credentials before initiating any transactions. The system lets you check card issuing programs, validate bank accounts, and screen users against sanctions or adverse media lists. You can also evaluate merchant risk profiles, recover failed transactions with retry signals, and issue agentic tokens for autonomous purchases. By inspecting entities prior to authorization, your business reduces fraud, improves authorization rates, and maintains compliance across processors without altering current payment gateways or merchant rails.

What PayOS does

Verify card program data before authorizationValidate bank routing and account numbersRun sanctions and PEP background checksGenerate tokenized credentials for autonomous agentsAnalyze decline codes for retry schedulingAudit merchant web footprint and business registrationMap network tokens to primary account numbersIdentifies card issuer program and card type prior to payment authorizationValidates bank accounts before running pay-ins or payoutsScreens users against OFAC, PEP, adverse media, and liveness checksIssues agentic tokens for AI assistants to pay autonomouslyProvides retry signals to recover failed NSF transactionsEvaluates merchant category codes and cyber risk signalsLinks multiple digital wallet tokens back to a single primary account number

Pricing breakdown

Pricing model: Free, Paid

View full pricing page ↗

Frequently asked

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