Decision Engine
Build smarter payment products with confidence
Take full control of your card programme – down to every detail
Exceptional cardholder experiences don’t come from off-the-shelf controls, they’re built with the freedom to go further. Paymentology’s Decision Engine gives banks and fintechs that freedom. It combines powerful, real-time transaction evaluation with the flexibility to go beyond basic limits, spend rules and fraud flags, turning every transaction into an opportunity for innovation.
Our scheme-agnostic, always-on layer handles the full complexity of transaction evaluation behind the scenes, ingesting raw data, interpreting message formats, applying business logic and scaling effortlessly. Clients simply define the logic that matters and Decision Engine takes care of the rest—no custom infrastructure or decoding pipelines needed.
At the cardholder level, our API-first approach means behaviour can be tailored down to individual cards. Clients can build highly personalised features, enable user controls, trigger intelligent notifications and quickly deliver new experiences based on any transaction detail, past or present.
For operational teams, a user-friendly interface puts advanced rule-building into non-technical hands. With tools like dry-run and back-testing, teams can safely experiment, test and deploy new rules quickly, responding to fraud trends, compliance changes or product strategies in real-time.
Why choose PayRule?
Unparalleled flexibility
Configure rules to fit your organisation and customers’ unique needs. Whether creating product variations or cardholder segmentation, PayRule adapts to your business with ease.
Real-time decision-making
React instantly to changing conditions. With PayRule’s intuitive GUI and API integrations, you can adjust rules at the speed of your business, ensuring uninterrupted operations.
Dynamic visualisation
Map and manage outcomes effortlessly with intelligent decision trees. Define actions based on time, location, or user behaviour to create smarter payment experiences.
Comprehensive coverage
Achieve consistency across every channel. Apply rules at the transaction level across key touch points, creating a unified and reliable payment experience where it matters most.
Robust fraud protection
Stay ahead of fraud threats with real-time, smart logic rules. Protect your customers and build trust with a solution designed to evolve with emerging risks.
User-first interface design
Built to be intuitive for non-technical users to create complex rules with ease, while still offering advanced features that power users expect.
Powerful features, built to scale
Build smarter, faster. Trigger rules based on time, geography, or user behaviour to address business, operational and security needs.
Launch new products in hours, not weeks.
Nine layers of precision
Card builder


Customise card creation and activation criteria effortlessly.
Product type


Tailor rules for debit, credit, prepaid, or hybrid cards.
Transaction & processing


Set precise limits across MCCs, regions, and BINs.
Scheme & authorisation


Ensure compliance with tailored scheme-specific rules.
Risk management


Build adaptive fraud rules to counter emerging threats.
Compliance


Simplify audits with traceable, fully versioned rules.
Marketing


Engage customers with next-best-action recommendations.
Customer control


Empower cardholders with personalisation tools and notifications.
Granular Rule Customisation
Fine-tune your payment products for any scenario by applying spend or frequency thresholds over any time period—from individual transactions to rolling time windows.
Transaction types: Manage rules for POS, ecommerce, ATM and contactless payments
Geography: Enable or restrict transactions by region to align with business goals
Limits: Define thresholds for daily, weekly or individual transactions
Behavioural insights: React dynamically to spending patterns and anomalies for smarter operations
Advanced capabilities for better outcomes


Mox Bank: Elevating Debit Card Experiences
See how Mox Bank partnered with Paymentology to transform their debit card offering, delivering exceptional customer experiences and boosting engagement.

Experience our platform first-hand
See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

Developer portal
Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.
Let’s redefine payments together
It’s time to reimagine payments. Let PayRule empower your organisation to lead the way in innovation and customer satisfaction.
