Decision engineThe ultimate in product customisation

Our proprietary AI-powered decision engine supports the most complex card products, with extreme granularity.

With us, you have far more options

Create ultra-tailored card products

PayRule.AI’s unparalleled granularity lets you create and fine-tune products to your and your customers’ exact needs, with no hardcoding

Offer real value-adds, in real-time

PayRule.AI’s unmatched real-time decision-making capabilities let you offer additional products or add-ons – at POS – based on your own predefined rules.

Ultra-granular, easily configured

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

Business done
on your terms

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:

  • Configuring rules at any Mastercard/Visa at POS or settlement-level.

  • Setting rules to enable actions based on settlement activities.

  • Using fraud rules to allow dynamic assessment of fraud-scenarios in real-time.

  • Scheduling rules on a specific time-basis.

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

Paymentology’s advanced adaptive-learning rules engine, PayRule.AI, 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.

Thanks to its superior AI, PayRule.AI offers the ability to know the unknown. Now, you have the power to see and stop emerging threats from forming at authorisation.

Absolute control

With PayRule.AI decision engine, our clients can now simply and easily meet and enhance all their customer and account-holder product and card-limit requirements. Some of these include:

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.

Create entirely new products

With Paymentology’s unrivalled data-richness and speed, PayRule.AI caters to the creation of completely custom products, from scratch. Or, the enhancement of existing products – with added-value features – all chosen by you, on an ultra-granular level.

  • Rules checked on machine-learning level.

  • AI suggestions for rule-correction.

  • Prevention of false triggers.

  • Optimised transaction functions.


  • Customer makes a purchase
  • Incoming
  • Card
  • Rule
  • Multi-data element
    and historic analysis
  • Rules
    • Action and
    • Response to core

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.