Behavioral and analytical software to assess risk profiles of prospective customers, providing a multidimensional approach to preventing merchant financial loss.

Retailers lost an estimated nearly $140 billion to fraud last year.* Our Risk Management Solutions leverage more than 10,000 data sources, providing the largest base of public and proprietary information available on the market today. Our ability to link public records data on businesses, people, addresses and properties is unmatched. PayLOK can instantly verify over 400 million U.S. consumer identities and over 175 million business identities.

PayLOK's proprietary Risk Management Solutions can be used to check and verify individual identification information in real-time. Once an individual’s information is entered, PayLOK runs a series of evaluations & algorithms to check for information on spending patterns and payment history. This information is then analyzed to create an overall risk assessment, giving sellers peace of mind that they possess current and valuable feedback on prospective buyers. And PayLOK Verify can be used with domestic as well as many forms of international identification information.

PayLOK System Schematic (Simplified)