Paays Network Intelligence
Search the network before you fund.
See what dealerships on the network have seen of an applicant, in one search. The decision stays yours.
One application at a time
Each application arrives clean.
The same face under two names, at two dealerships, sent to two lenders. You see one application. The network sees both.
The answer
Everything the network knows, in one answer.
Dealers see a summary. Lenders get the whole record.
- The assessmentOne status to route on: All clear, Caution or High risk.
- Network historyWhether the identity is known, how often it was verified and at how many dealerships. Never which ones.
- The last verificationThe result of the identity verification the dealership ran.
- The findingsEach of the network's subjects with its status, and the finding opened when one fires.
- Your referenceYour application number comes back with the answer, so it lands on the right file.
Any application
Any application, whoever verified it.
Deals verified with Paays carry the full record. Every other application is searched on the identifiers you send.
- Verified with Paays
The full record
The dealership verified the buyer with Paays. The answer carries that verification and every finding.
- Verified elsewhere
Matched on your identifiers
Another provider ran this deal's identity verification. The network answers with what it holds on the identity.
- Not on the network
No history
The network has never seen this identity. Nothing to act on, and not a pass.
How it connects
One more connection, beside the ones you have.
One API call from your LOS or decision engine, next to your bureau and data partners. It does not depend on the dealer portals.
At adjudication, and again before funds go out.
Ask for the integration guide
Getting started
Start with your own book.
- Map the signals to your credit policy.Decide what each finding does to a deal: fund, price, escalate or decline.
- Search a sample of deals you funded.See what the network knows about applications already on your book.
- Connect at decision time.Add the search to your LOS or decision engine, beside your other connections.