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Decision Engine

The ultimate in
product control

Our proprietary PayRule Decision Engine lets you set ultra-specific rules – then automate highly customised responses – with extreme granularity.

More points of control mean far more options

Create ultra-tailored card products

PayRule Engine's extreme granularity lets you create, and fine-tune even complex products, with far greater flexibility and no hardcoding.

Offer real value-adds, in real time

With PayRule Engine’s unmatched real-time decision-making capability, you can trigger relevant product offers or add-ons – even at POS level – based on your rules.

Easily configurable precision

Set any combination of fraud, geolocation, transaction, time, or merchant-based rules, at any level. All easily configurable, with no hard coding.

PayRule.AI Engine

PayRule.AI is our proprietary AI-powered decision engine, with unmatched flexibility. It empowers our customers to control and configure cards and products, at an extremely granular level, independently, quickly, and easily. This includes:

All of the above are configurable at a specific BIN, sub-BIN, product, group, and/or card-level.

A generational leap in Payments technology


Stop fraud before it happens

PayRule Engine – Paymentology’s advanced adaptive-learning Decision Engine – is unmatched in its ability to update and fine-tune rules, on a per-customer basis, even at POS. This enhances fraud-prevention, and minimises false positives; affording maximum protection, while enhancing a seamless customer experience.

PayRule Engine's AI-enhanced granularity lets you know the unknown. Now, you have the power to see and stop emerging threats from forming at authorisation.

Absolute control

With PayRule Engine, our clients can now simply and easily serve, enhance, customise and control all their customer card, card-limit, security, and product requirements.

Easily enable restrictions by type, such as:

  • MCC restriction.
  • Authorisation restriction.
  • Country restriction.
  • Transaction restriction (POS, ATM, E-Com, cashback, contactless, etc).

And many more.


Innovate all-new products

With more points of customisation and unrivalled data-richness, PayRule Engine allows the creation of completely custom products, from scratch. Or, the enhancement of existing products – with added-value features – all chosen by you, at an ultra-granular level.

  • Rules checked on machine-learning level.
  • AI suggestions for rule-correction.
  • Prevention of false triggers.
  • Optimised transaction functions.
  • Easy configuration, out of the box.

Decision-engine journey

Type of rules


Authorisation rules

Rules are configurable at component-level; including MCC, MID, spend-type, postal code, and more.


Dynamic fraud rules

Set specific rules to allow dynamic assessment of fraud scenarios. Corresponding actions can be used to restrict card usage.


Web Services control

Rules can be created or assigned via Web Services.


Scheduled rules

Rules can be scheduled at card-level or account-level, and run on any time-basis (every X days, every Y seconds, etc).


Settlement-level rules

Take actions based on settlement activities. For example, apply a card-fee if multiple ATM-usage occurs.


Cardholder alerts

Create rules with actions to alert cardholders to certain spend activities.

Start innovating your
payments with us

Our scalable, flexible Platform supports big innovations. We shepherd our clients not only into, but to the forefront of the Digital-payment Era.