Powerful identity verification solutions for every step of your customer journey

Reduce friction and fraud with smoother, more secure customer experiences across your mobile, web, and call center channels

We help companies:

Open Accounts for New Customers

• Identity Verification
• Application Pre-Fill

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Authenticate Existing Customers Across Channels

Call Center
• Spoofed Call Detection
• Inbound Number Verification

Digital (Mobile, PC, Tablet)
• Login (Multi-factor Authentication)

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Prevent Fraud Across Channels

• Identity Verification
• High-Risk Transactions

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Phone intelligence: The key to mitigating risk without increasing friction

Payfone’s phone intelligence synthesizes and analyzes a robust set of phone and mobile signals to deliver unparalleled identity insight for the purposes of identity verification, identity authentication, and fraud prevention.
If you think about how many people have mobile phones, how long they have had them, and how often they use them, it’s clear why signals from mobile phones provide the most detailed, longitudinal (repeated observation or examination over time) view of a consumer’s digital footprint. Because this digital footprint is composed of so many different signals over such a long period of time and with such frequency, it is highly correlated with the identity and trustworthiness of the associated consumer.

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Instant, Invisible, Inclusive

Unlike legacy identity verification methods such as knowledge-based authentication, Payfone’s solutions are:

Instant

Real-time response in milliseconds
Invisible

Works in the background for a seamless customer experience
Inclusive

Highest coverage of customers including “thin-file”, Gen Z, VoIP, landline, pre-paid, householding

Privacy-first Tokenization
- Unlike with less sophisticated identity authentication methods, there is no need for your customers to share personally identifiable information to verify their identity because phone intelligence is built upon a privacy-first, zero-knowledge architecture. CCPA/GDPR compliant.

“Payfone’s Trust Score and phone intelligence signals were instrumental in helping us to protect our user base against SIM swap fraud. They provided us with one of the key signals we needed in order to detect account takeover attempts, thereby protecting our customers from huge potential losses. Their phone intelligence data around the phone to SIM mapping is of very high quality that ensured a high detection rate while not hindering the user experience of legitimate customers at the time of login.”

Director of Data Science and Risk, Leading Cryptocurrency Wallet

“Payfone’s solution saved our call center. We implemented it proactively before we began seeing this surge, and we are so glad that we did. It has enabled us to increase our ANI match rate and cut down significantly on call wait times. It has very clearly made a difference for us!”
– Call Center Authentication Executive, Tier-1 Bank

“Payfone’s solutions significantly simplify the enrollment processes for millions of Zelle P2P users, while adding another layer of non-intrusive protection behind-the-scenes for Zelle. Payfone brings together data from across the mobile ecosystem – networks, devices, users – to help us assess enrollment and transaction risk almost instantly. This helps us balance the requirements for speed and security in the faster payments space.”
– Eric Woodward, Former Group President of Risk Solutions, Early Warning/Zelle

“From most businesses’ perspective, the ability to provide high verification rates is often of greater value than fraud detection, given the benefits of reduced customer friction and lower operational expense (with fewer customers having to engage with the contact center or manual review teams), which drive customer satisfaction and higher Net Promoter Scores. The results of our analysis are a compelling validation of Payfone’s value proposition to assess the risk of the phone and its owner, providing FIs, merchants, and other firms with reliance on digital and/or contact center channels with a unique view into the risk associated with their customers, and an ability to remove unnecessary points of friction.”
– Julie Conroy, Research Director for Aite Group’s Fraud & AML practice

Powerful identity verification solutions for every step of your customer journey

We help companies:

Open Accounts for New Customers

Authenticate Existing Customers Across Channels

Prevent Fraud Across Channels

Phone intelligence: The key to mitigating risk without increasing friction

Instant, Invisible, Inclusive

Instant

Invisible

Inclusive

Privacy-first Tokenization

Ready to learn more?