Post-Payment Safeguards & Operations
Protect your organization from chargebacks and resolve payment disputes transparently.
Fraud & Risk Protection 
Peace of mind is standard practice.
Paybilt’s multi-layered defense system protects both payor and payee, keeping transactions secure without adding friction to the user experience.
Friction-free compliance.
Verify users seamlessly using automated, event-based KYC triggers pre- or post-payment, stopping fraud without disrupting the customer journey.
Neutralize threats before they materialize.
Deploy an adaptive rules engine backed by device fingerprinting and link analysis to stop bots, multi-account abuse, and network-wide anomalies in real time.
End-to-end payment transparency.
From pre-payment source verification to live push payment tracking, gain total visibility over your cash flow while our system proactively manages chargebacks.
Now available for qualified merchants.
Identity & entity verification (KYC).
Ensure the person behind the payment is exactly who they say they are.
Adaptive KYC & ID Verification
Verify customer identities seamlessly using customizable, event-based triggers. Request ID verification automatically either pre- or post-payment, to secure the transaction without delaying the initial checkout.
Account Name Inquiry & Verification of Payee
Instantly cross-reference the name provided at checkout with the official name on file with the card issuer or financial institution. Flag mismatches before a transaction completes.
Device & Behavioral Fingerprinting
Analyze unique hardware, software, and behavioral attributes to identify returning devices. By detecting spoofed environments, VPNs, and bot activity, the platform blocks automated attacks before they reach your checkout.
Multi-Account Link Analysis & Account Sharing Detection
Detect and flag promotion/bonus abuse or bad actors attempting to bypass bans. This network analysis instantly surfaces when multiple separate profiles are linked to the same account, device, IP address, or payment method.
Multi-Account Link Analysis & Account Sharing Detection
Detect and flag promotion/bonus abuse or bad actors attempting to bypass bans. This network analysis instantly surfaces when multiple separate profiles are linked to the same account, device, IP address, or payment method.
Bank & method validation.
Verify the financial account is active, valid, and belongs to the user.
Real-Time e-Transfer® Account Validation & Auto-Deposit Verification
Instantly confirm that a recipient's e-Transfer profile is active and valid. Verify if a customer or vendor has Auto-Deposit enabled before triggering a transfer. Zero customer interaction required. Reduce failed transfers and ensure funds are routed correctly.
Automated Bank & Open Banking Validation
Leverage secure open banking rails to verify account status, balances, and routing numbers in real time. For traditional setups, integrated micro-deposit verification and automated deposit checks provide fail-safe account ownership validation.
Source of Funds Verification
Assess the legitimacy of a user's funds prior to settlement. This allows you to verify that a transaction complies with anti-money laundering regulations without being forced to accept or lock up the liability of the payment first.
Standard Card Defense (AVS & CVV)
Deploy industry-standard Address Verification Service (AVS) and Card Verification Value (CVV) checks. Bring your own 3DS provider.
Method-Based User Limit Controls
Cap transaction sizes and frequencies based on the payment type being used. This allows you to set higher thresholds for low-risk methods like verified bank deposits while instantly restricting exposure on higher-risk channels.
Real-Time e-Transfer® Account Validation & Auto-Deposit Verification
Instantly confirm that a recipient's e-Transfer profile is active and valid. Verify if a customer or vendor has Auto-Deposit enabled before triggering a transfer. Zero customer interaction required. Reduce failed transfers and ensure funds are routed correctly.
Automated Bank & Open Banking Validation
Leverage secure open banking rails to verify account status, balances, and routing numbers in real time. For traditional setups, integrated micro-deposit verification and automated deposit checks provide fail-safe account ownership validation.
Source of Funds Verification
Assess the legitimacy of a user's funds prior to settlement. This allows you to verify that a transaction complies with anti-money laundering regulations without being forced to accept or lock up the liability of the payment first.
Standard Card Defense (AVS & CVV)
Deploy industry-standard Address Verification Service (AVS) and Card Verification Value (CVV) checks. Bring your own 3DS provider.
Method-Based User Limit Controls
Cap transaction sizes and frequencies based on the payment type being used. This allows you to set higher thresholds for low-risk methods like verified bank deposits while instantly restricting exposure on higher-risk channels.
Real-time transaction security.
Monitor and block fraudulent behavior at the exact moment of checkout.
Adaptive Rules Engine & Velocity Controls
Set automated, custom thresholds on transaction volume, frequency, and amount. The rules engine dynamically flags or blocks behavior that deviates from standard purchasing patterns.
Smart Traffic Routing
Choose the optimal path for every payment based on volume, account numbers, and customer risk profiles. Our system automatically routes transactions to ensure the lowest fees, highest speed, and best approval rates.
Network-Wide Anomaly Detection
Benefit from collective intelligence. Paybilt monitors transaction patterns across the entire Interac network to instantly spot and mitigate macro-level fraud trends before they target your specific organization.
Geographic & IP Shielding
Block traffic and payments originating from high-risk countries or mismatched IP locations using automated Geo-IP blocking, reducing cross-border fraud vulnerabilities.
Geographic & IP Shielding
Block traffic and payments originating from high-risk countries or mismatched IP locations using automated Geo-IP blocking, reducing cross-border fraud vulnerabilities.
Customizable Escrow & Verification Holds
Collect payments immediately but hold disbursement until missing verification data (like an updated address or driver's license) is provided post-checkout. Paybilt acts as the neutral front-facing partner for this process, protecting you from customer friction while entirely removing merchant liability.
Blacklisting & Whitelisting
Manage platform permissions for specific accounts directly through your dashboard.
Chargeback & Dispute Management
Monitor, track, and contest fraudulent chargebacks directly from your dashboard. Our centralized system helps you organize evidence and reduce your overall chargeback ratio.
Transparent Payment Investigations
Eliminate the guesswork when a push payment doesn't arrive immediately. Our tracking system provides total visibility into the exact status of a transfer across the banking network, allowing us to answer customer inquiries with certainty.
Unified Risk Scoring
Evaluate every transaction through third-party fraud risk engines and our proprietary machine-learning models, outputting a clear, actionable risk score so your team can confidently review or automate approvals.
Independent Card Tokenization
Store payment method data securely, isolated from specific card processors. If you ever switch payment vendors, your customer data stays with you, eliminating the risk of lost data or forcing users to re-enter their cards.
