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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?

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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.

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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.

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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.

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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.

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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.

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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
Transaction & processing
Scheme & authorisation
Risk management
Compliance
Marketing
Customer control

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

Dry-run testing
Test with confidence. Simulate and validate rules before activation to ensure accuracy and reliability, eliminating the risk of disrupting live operations.
Real-time notifications
Deliver transparency and control. Send instant alerts for key spending activities and empower cardholders to customise their settings anytime, anywhere.
Proactive fraud prevention
Stay ahead of evolving threats. Apply scheduled or real-time fraud rules to protect your customers and your business, building trust at every transaction.
Rule back testing
Run rules against historical transaction data to measure their effectiveness and efficiency before going live.
Flexible actions framework
Assign actions to rules that seamlessly map to any downstream process, giving clients full control over how rules influence their own systems.
Webhook actions
Trigger calls to client-defined endpoints, unlocking unlimited integration possibilities and enabling real-time responsiveness across systems.
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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.

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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.

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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.

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