We’re excited to share that Payoneer (NASDAQ: PAYO) has selected Oscilar to power real-time fraud and risk intelligence across its payment systems. Processing tens of billions of dollars in annual volume for millions of customers across thousands of trade corridors, Payoneer operates at a scale that requires a fraud and risk engine that can keep pace with the speed and complexity of cross-border commerce.

Oscilar's AI-native platform delivers adaptive, real-time fraud prevention that identifies emerging patterns, speeds up decisioning workflows, and scales with growing transaction volume. The result is intelligence that continuously learns and evolves in step with the global threat landscape. 

This partnership reflects a broader industry movement as the world’s leading fintechs are moving beyond legacy tooling toward AI-powered risk infrastructure built for modern rails.

Modernizing fraud prevention for cross-border payments

Payoneer supports millions of SMBs, marketplaces, and freelancers around the world—particularly in emerging markets—operating in more than 190 countries and territories and processing tens of billions of dollars each year. For a network of this scale and diversity, real-time fraud defense is essential to uphold trust and satisfy regulatory expectations.

By integrating Oscilar’s AI and machine learning infrastructure, Payoneer is strengthening its fraud prevention capabilities with predictive analytics, real-time adaptation, and intelligent automation. Oscilar’s AI Risk Decisioning™ platform improves threat detection, speeds up model updates, and responds immediately to emerging fraud patterns across Payoneer’s global network.

This partnership embeds AI at the core of Payoneer’s risk operations, enabling autonomous, scalable controls that elevate protection while supporting more personalized and frictionless customer experiences.

AI-powered risk intelligence at global scale

Payoneer has invested heavily in machine learning models tailored to the challenges of digital commerce. Oscilar’s no-code, real-time decisioning platform builds on that foundation by enabling adaptive systems that improve continuously as new signals surface.

“We’re investing in intelligent fraud detection infrastructure designed for our scale and customer diversity,” said Micheal Sheehy, Chief Compliance Officer and Payoneer. “Oscilar's AI architecture empowers us with the agility to rapidly iterate our models, leverage continuous machine-learning capabilities, and orchestrate complex risk strategies across our diverse payment ecosystems.” 

For a global fintech serving millions of participants, being able to react to new patterns instantly and autonomously is essential.

“Payoneer operates a highly sophisticated global payments network, and we’re excited to help elevate their fraud strategy,” said Neha Narkhede, Co-Founder and CEO of Oscilar. “Oscilar was built for high-scale, high-variation environments where behavior shifts quickly and precision matters. But more importantly, it’s built on the belief that smarter risk systems can create more open, trusted, and inclusive financial experiences.”

Payoneer and Oscilar are building an approach to risk that not only protects against fraud, but also supports a safer, more accessible payments ecosystem for users around the world.

Enhancing customer experience through intelligent automation

AI-powered risk operations improve both fraud defense and the overall experience for the customer. By reading behavioral signals in real time and automating many decision steps, these systems reduce delays, limit manual reviews, and provide adaptive controls that create a smoother payments journey.

“By enabling Payoneer to make clearer, more confident decisions, we’re helping remove unnecessary friction for users while strengthening the integrity of their global ecosystem,” explained Narkhede.

With real-time intelligence informing model updates and classification logic, Payoneer can enhance both the speed and accuracy of customer-focused decisions across its payments network. This creates a risk engine that improves with every transaction, laying the groundwork for next-generation capabilities across Payoneer’s global platform.

About Payoneer

Payoneer is the financial platform for cross-border business and global payments. Payoneer empowers millions of businesses with the financial tools and services they need to grow and transact globally with confidence. We make it easier for SMBs, particularly in emerging markets, to connect to the global economy, pay and get paid across borders, manage their funds across multiple currencies, and grow their businesses. 

About Oscilar

 Oscilar powers real-time risk decisioning across fraud, credit, and compliance through a single, unified solution. Its no-code AI Risk Decisioning™ platform leverages agentic AI and advanced signal processing to analyze complex data, detect anomalies, and automate mission-critical decisions with speed and precision. Built by the team behind risk systems at Google, Meta, Uber, Citi, and J.P. Morgan, Oscilar combines deep technical expertise with cloud-native architecture to deliver scalability, transparency, and regulatory-grade performance. Oscilar empowers banks, fintechs, and digital asset services to navigate complex risk landscapes and grow with confidence in an AI-activated world. Learn more at https://oscilar.com.