@getpayos

Actionable payments data for the agentic economy.

 San Francisco, CA
payos.ai/
Joined April 2025
  • Tweets62
  • Following1
  • Followers81
9Media
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. 🧵
1
1
1
17
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.
1
1
5
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. payos.ai #DidYouKnow #Chargebacks

Actionable Payments Data for Anyone, Anywhere.

Access card, bank, business, user and agent data through PayOS. Verify identities, understand payment risk and help AI agents transact with confidence.

payos.ai
1
4
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. 🧵
1
1
30
more replies
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 And once money becomes a balance, it can be withdrawn to an account the fraudster owns.
1
1
9
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. payos.ai #MythVsFact #FraudPrevention

Actionable Payments Data for Anyone, Anywhere.

Access card, bank, business, user and agent data through PayOS. Verify identities, understand payment risk and help AI agents transact with confidence.

payos.ai
12
1/ @getpayos | Payments Decoded: How should an AI agent pay for you? This weekend, @elonmusk shared a glimpse of how we’ll all shop soon: drop your card into a chat, and an AI agent finds the best deal and places your order. We love this vision. 🧵
1
1
39
more replies
3/ The customer adds their card once in a secure form. The agent pays with a token linked to that card, and the customer approves with a passkey. Rewards and protections keep working.
1
11
4/ Merchants accept it like any card payment, and the bank can see an agent made the purchase. @getpayos Agentic Tokens are live today. Start building at payos.ai #PaymentsDecoded #AgenticCommerce

Actionable Payments Data for Anyone, Anywhere.

Access card, bank, business, user and agent data through PayOS. Verify identities, understand payment risk and help AI agents transact with confidence.

payos.ai
1
14
1/ PayOS | Did You Know #2: Reloadable vs. non-reloadable cards “Prepaid” sounds like one thing. It’s really two very different products. 🧵
1
1
2
38
more replies
3/ It matters: non-reloadable cards fail at subscription renewal, often can’t receive refunds, and are a favorite for card testing. Reloadable cards often sit behind a verified customer.
1
8
4/ PayOS tells you which kind of prepaid card you’re looking at before you authorize, plus the program behind it and whether the cardholder was already verified. Self-serve BINs at: payos.ai

Actionable Payments Data for Anyone, Anywhere.

Access card, bank, business, user and agent data through PayOS. Verify identities, understand payment risk and help AI agents transact with confidence.

payos.ai
9
PayOS | Myth vs. Fact #1 Myth: AI agents need their own virtual cards to pay. Fact: With a PayOS agentic token, an agent pays with customer's own card, Rewards work, card number stays hidden, and the bank gains visibility. Get PayOS Agentic Tokens at payos.ai
25
1/ PayOS | Payments Decoded #1: What is a PAR? Say your rule is one account per card. You check it by card number. Different number, different card, right? Not quite. 🧵
1
1
1
68
2/ The same card can show up with many numbers: an Apple Pay token, a Google Pay token, a saved-card token, a reissued card number, and now a token from an AI agent paying on the customer's behalf.
3
2
54
5/ PayOS resolves the PAR before you authorize, so your account, velocity, trial, and loyalty rules see the real card. Try it on the PayOS self-serve portal. payos.ai/products/par #PaymentsDecoded

Payment Account Reference | PayOS

Every token and reissue of a card resolves to one 29-character reference, so velocity rules and loyalty programs count cards correctly.

payos.ai
1
19
4/ A Payment Account Reference (PAR) is a 29-character ID that stays the same across a card's number, its tokens, and its reissues. It sits outside PCI scope, so it's safe to store.
10
3/ So one card can open five accounts, spend your $10,000 limit five times, and reset your monthly transaction cap just by paying a different way. Your rules are counting numbers, not cards.
1
23
4/ A Payment Account Reference (PAR) is a 29-character ID that stays the same across a card's number, its tokens, and its reissues. It sits outside PCI scope, so it's safe to store.
18
Load more