Flexible risk management for Pay by Bank

Maximize approval rates while protecting your bottom line with intelligent payment decisions, transparent data, and guaranteed payment options.

Contact sales

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Risk management built for revenue growth

Leverage network intelligence

Get better fraud detection and more accurate approvals through the most proven payment network.

Boost customer value

Optimize approval rates and payment costs so you can reinvest savings and keep customers coming back.

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Build smarter strategies

Build better risk strategies with our AI that doesn't just make decisions—it explains them, giving you insights.

Choose your guarantee

Override declined transactions for non-guaranteed approvals at lower costs, or go with a full guarantee.

Override transaction declines for more revenue

Take control when you know your customers best. Override our declined transactions to approve them as non-guaranteed payments, giving you more approvals at a lower cost.

Our flexible risk solutions give you the data, tools, and override capabilities you need to maximize approvals and revenue while maintaining the protection you want.

Override declined transactions for non-guaranteed approvals

Reduce processing costs with flexible guarantee options

Deploy your own risk rules alongside our AI decisions

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Know your customers' payment affordability

Make smarter decisions with real-time account balance and spending pattern insights. Our bank-grade data helps you time payment requests for better conversion rates.

Real-time balance verification for optimized timing

Spending pattern analysis for smarter underwriting

Affordability signals to maximize approval rates

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The Pay by Bank network that fights fraud better

Benefit from our global merchant ecosystem where millions of transactions continuously strengthen fraud detection and risk intelligence. Every payment makes our data smarter.

Shared fraud intelligence across our Pay by Bank network

Continuously improving risk models from ecosystem data

Network-wide bad actor detection and prevention