Payment Screening

Screen senders, beneficiaries, bank accounts and crypto addresses for sanctions risk in a single API call.

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Next-gen payment compliance for global real-time payments

What This Demo Covers

This Payment Screening Demo walks through a cross-border remittance workflow, illustrating how senders, beneficiaries, and intermediary banks are all screened in real time before funds are released. It showcases how a single API call evaluates all relevant parties and identifiers simultaneously, ensuring consistent and auditable policies are applied across every corridor.

Screen all payment participants with one API call.

Delivering identity intelligence for every payment participant without the latency and complexity of legacy multi-call approaches. Socure’s single API architecture simplifies routing logic while keeping policies consistent across every payment, reducing friction without sacrificing compliance.

Our smarter screening goes beyond name matching to truly understand identity. Granular, flexible controls replace blanket policies, giving you unmatched accuracy and adaptability across every corridor, payment type, and regulatory requirement.

Key Metrics

• 100% Parties in each payment screened in a single API call
• Real time Typical end-to-end decision time for payment screening
• 60–80% Reduction in false positives versus legacy name-only tools

The single-API decision layer for payment screening.

Payer initiates remittance transfer
Capture normalized party data
Trigger single API call
Apply granular corridor controls
AI resolves persistent identities
Instant, audit-ready decision delivered

Manage granular screening controls for each use case and jurisdiction

Select sanctions lists, set matching thresholds, apply country or date of birth filters granularly for each jurisdiction, risk segment, product line and more, for seamless, global compliance at scale.

Use Cases

1. Screen cross-border remittances before payout
   Screen senders, beneficiaries, and payout institutions against global watchlists in real time so cross-border transfers are screened before funds move without slowing trusted remittances.
2. Screen high-value wires and treasury payments
   Screen instant payouts and disbursements.
3. Screen crypto on- and off-ramp flows across channels
   Screen sponsor bank fintech program payments centrally.

AI Case Analyst

Reduce case review time by up to 80% using AI-generated summaries, explanations, and recommendations to accelerate watchlist and payment screening investigations while maintaining full control and a clear, auditable decision trail.

Frequently Asked Questions

What is Socure Payment Screening?

Socure Payment Screening is a real-time watchlist control that runs at the point of payment. It checks every relevant party in a transaction against required lists and turns those checks into clear, automated approve, review, or block decisions before funds move.

How does Payment Screening stop risky payments before funds move?

Payment Screening evaluates senders, recipients, and involved financial institutions against sanctions and other required watchlists in real time. Screening runs fully in line with the transaction, so compliance checks are completed before funds leave the account.

Which payment use cases and data fields does Payment Screening support?

Payment Screening supports a wide range of consumer and commercial flows, from one-off payments to recurring disbursements.

How does the single API call work, and why does it matter?

Socure Payment Screening evaluates every relevant party and identifier in a payment through a single API request, simplifying integrations and reducing latency.

How does advanced identity resolution improve payment screening?

Payment Screening applies identity resolution to link every payment back to a broader risk history instead of treating each transaction as an isolated event.

How is Payment Screening different from legacy name-only tools?

Legacy tools rely on simple text-string name matching. Socure combines dual scoring, field-aware parsing, and identity-centric models to reduce false positives.

How does Payment Screening support transparent, audit-ready compliance?

Each flagged transaction includes granular scores and descriptive narratives that explain why it was matched.

How configurable is Payment Screening across products, customers, and regions?

RiskOS lets teams configure no-code workflows by product, customer segment, and jurisdiction, tuning thresholds, actions, and routing to regulatory and business requirements.

How does Payment Screening relate to existing screening tools?

Socure is designed to consolidate onboarding, payment screening, and ongoing monitoring in one platform, reducing technical overhead and total cost of ownership.