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.