Identity Platform

Manage your compliance and fraud with

Reach, identify, verify and accept payments from any of the world’s 4.2Bn ﬁnancially included persons.

Our product offerings revolve around optimising the online payment journey in a global, seamless and secure way.

We empower cross-border, regulated and high value businesses with specialist banking services, with a single integration to our solutions.

shutterstock_577945651

Instant, global reach of the world’s 4.2Bn “banked” persons

Live, dynamic, up-to-date KYC source data

Real-time onboarding and oﬀboarding (payouts)

Lower friction & cost

Our patented technology

Payment Instrument Veriﬁcation (PIV) is a technology which combines the veriﬁcation of the user’s identity with the authentication of their payment transaction to deliver regulatory compliance to an enhanced due diligence (EDD) standard.

It allows merchants to unlock the identity in a ﬁnancial transaction and it is successfully used:

to prevent Card Not Present (CNP) fraud and/or,
on-board customers in 3 to 5 minutes and meet AML/CFT KYC requirements

Customer makes a payment using a debit card and the payment is processed by Paydentity

The transaction is randomly divided into two amounts creating a dynamic “secret”

The customer logs in to their online banking and retrieves the dynamic “secret”

Conﬁrmation of the “secret” succesfully identiﬁes the customer

This process is then linked to our Digital KYC, SCA and other Fraud Protection products

Explore Payment Instrument Veriﬁcation >

A proactive approach to fraud

Our FRAML engine is one of the few systems that uses a proactive approach to fraud.

Depending on your industry and risk appetite, you can choose the tools that best suit your business.

Risk engine with set thresholds

Transaction monitoring and reporting

Proactively deters third party, card-not-present (CNP) fraud
Provides the card scheme-mandated “compelling evidence” to defend against chargebacks, as it authenticates transactions
Avoids customer abandonment due to otherwise 3DSecure
Reduces reliance on predictive systems that often lead to false negatives by rejecting legitimate transactions

Explore our features >

Minimise friction to onboard

In conjunction with our patented technology, we use a range of veriﬁed global databases and credit reference agencies as well as other technology to make sure that we minimise friction during the on-boarding process.

Electronic Veriﬁcation (EV), applicable for some countries
Document Veriﬁcation Service (DVS)
PEP & Sanctions

Explore our features>

Get in touch

Interested to find out more about our products?

Our team is always happy to help.

Manage your compliance and fraud with

Our product offerings revolve around optimising the online payment journey in a global, seamless and secure way.

Our patented technology

A proactive approach to fraud

Minimise friction to onboard

Get in touch

Products

Features

Company

Resources

Policies

Support