All KYC and risk needs in one API

Balancing Risk and User Experience

Digital payments often compromise a great user experience when mitigating fraud. The best risk solutions tend to create friction during checkout while a seamless payment experience can be susceptible to savvy fraudsters.

Our PAYMENT API strives to find that perfect balance by constantly integrating new, innovative technology that makes it easy to transact. As the payment experience evolves, don't get left behind.

Risk Control

Explore our risk solutions

74%

of companies were victims of payments fraud in 2016

74%

of companies were victims of payments fraud in 2016

Identity

Identity

Getting to Know Your Users

Sometimes, it does take a village to confirm a user’s identity before transacting an online or mobile payment. Our API is loaded with identity partners who search through 100,000+ user attributes with billions of data points to confirm one person’s identity.

This direct integration with the country’s top data resources guarantees a broad base and accurate confirmation method.

Real-Time

Instant approval or denial is a fast, smooth process that reduces checkout friction

Consumers

Choose the appropriate level of protection necessary before approving a consumer payment

Businesses

Verify small to large businesses and validate their owners, officers, and key employees

KYC Requirementss

Comply with the rules and regulations associated with knowing your customer

Account

Account

Intelligence You Can Bank On

Bank account intelligence gives insight into consumer and business accounts to improve ACH clear rates and prevent invalid accounts. Employ these data points for ACH enrollment, recurring payments, high risk transactions, and to avoid NSF returns.

Our bank verification network can reduce return rates by more than 50% and approve user accounts in seconds rather than days.

Account

Real-time verification reveals if an account is open, active, and has a positive status

Funds

On-demand funds verification of bank account balance shows a user’s ability to pay

Ownership

Bank confirms that a user is an authorized signer on a bank account

Overdraft Free™

Proprietary technology helps prevent returned transactions before they happen

Intelligence You Can Bank On

Bank account intelligence gives insight into consumer and business accounts to improve ACH clear rates and prevent invalid accounts. Employ these data points for ACH enrollment, recurring payments, high risk transactions, and to avoid NSF returns.

Our bank verification network can reduce return rates by more than 50% and approve user accounts in seconds rather than days.

History

History

Fool Me Twice, Shame on Me

A user’s financial history tells us a lot about his tendency to successfully transact. New and immature accounts are often mishandled as high risk transactions, resulting in unnecessary roadblocks for new customers.

Cash Flow blends real-time historical verifications with live identity, account, and mobile validations to provide a diverse context when evaluating risk and filtering out the bad from the good.

Email History

Avoid transacting with email accounts that have a history of fraud or suspicious activity

Negative History

Evaluate a customer’s transaction history with thousands of businesses before approving

Velocity Limits

Set frequency and dollar amount thresholds to limit exposure to high-risk payments

Social Media

Scan user's social media history to stop artificial and automated fraud attempts

Mobile

Mobile

Verification on the Go

Authenticate mobile users and their devices with real-time customer data from all the major wireless carriers. Use this connection to seamlessly validate identity, account ownership, recent charges, account opening, status updates, and any fraud associated with the account.

This robust tool requires no additional input from the customer and cannot be compromised by savvy fraudsters.

Pin-Based

SMS message authorized by mobile user

Location-Based History

SMS message authorizes and captures location

Email Link

Auto-capture device location with email link

Voice Response

Automated outbound call gets authorization

Verification on the Go

Authenticate mobile users and their devices with real-time customer data from all the major wireless carriers. Use this connection to seamlessly validate identity, account ownership, recent charges, account opening, status updates, and any fraud associated with the account.

This robust tool requires no additional input from the customer and cannot be compromised by savvy fraudsters.

KYC

KYC

Keeping You Compliant

As regulations about Know Your Customer continue to evolve, businesses require more robust tools to evaluate a customer’s identity, history, and financial status.

Our compliance solutions connect results from multiple regulatory databases, alternative data sources, and credit reporting agencies. Access these data points to fulfill anti-money laundering, consumer protection laws, KYC, and other regulatory obligations.

OFAC

Perform OFAC screening and reduce false positives with real-time identity matching

Compliance

Complete regular compliance and audit checks on consumers, businesses, and vendors

Underwriting

Verify financial and background data to certify new customers

Due Diligence

Implement ongoing monitoring and validation checks to comply with updated regulations