PayOS

1/ Intent is the oil in agentic commerce. It’s the line we repeat most at PayOS, and one of the reasons we started the company. 🧵

3/ Agents carry the intent. “Pay Acme Supply for the October invoice. The brackets arrived, so pay for those. The rails haven’t shown up yet.” The agent pays $28,800 for one SKU and holds the rest.

4/ That intent can now reach the bank and the supplier, but only if the payment carries it. @getpayos Agentic Tokens tie the intent to the payment. Whoever holds the intent holds the customer. #AgenticCommerce

1/ We heard @Trevornoah was at @money2020 . 👀 @getpayos Card Data can match a cardholder’s name to their bank in real time, but it couldn’t find one comedian in the Venetian. 🧵

2/ @Trevornoah , @getpayos would love to buy you a coffee, and we'll let an AI agent order it. It would pay with an agentic token, so your card number stays with you and your rewards stay on your card. Muse-ic to your ears, isn’t it? #Museings

1/ PayOS | Myth vs. Fact #3 Myth: To verify a bank account in real time, the customer has to log in to their bank. Fact: You can verify it without the customer ever logging in. 🧵

2/ Bank logins cost you customers. People won’t share banking passwords, smaller banks and business accounts are hit or miss, banks can block the bots that log in for you, and connections break when passwords or MFA change.

3/ PayOS verifies existence and ownership from the account details your customer already gives you, plus an Account Confidence Score. No login needed.

1/ PayOS | Payments Decoded #3: How do you know a card belongs to your customer? Most businesses check that a card works. Very few check that it belongs to the person using it. 🧵

3/ Then there’s PAR, an ID that stays the same across Apple Pay, Google Pay, saved cards, and reissues. It tells you when a “new” card is really one you’ve already seen.

4/ PayOS returns name, address, and CVV results plus the card’s PAR in real time, across the leading card brands. #PaymentsDecoded #FraudPrevention

1/ PayOS | Did You Know? #4 Many disputed card charges aren’t fraud at all. The customer just doesn’t recognize the name on their statement. 🧵

2/ A coffee shop shows up under its parent company’s legal name. A subscription appears as a string of random letters. The customer calls their bank, and the merchant loses the sale plus a dispute fee.

3/ PayOS turns confusing statement entries into the real business behind them, and resolves any business into identifiable and actionable information, from legal entity to sanctions screening. #DidYouKnow #Chargebacks

1/ PayOS | Myth vs. Fact #2: Can a stolen card get approved? Myth: If a debit card is approved, the payment is safe. Fact: Stolen cards get approved every day. A payment is only safe when the card belongs to the person using it. 🧵

3/ Why approval isn’t enough: the bank approves the card, not the person. One card can show up with different numbers and open several accounts. And once money becomes a balance, it can be withdrawn to an account the fraudster owns.

4/ PayOS checks card ownership (name, address, CVV) before the first payment, adds 3DS when you want extra certainty, links every card to its PAR, and verifies the payout account belongs to the same person. #MythVsFact #FraudPrevention