Zum OS New Way of payments

Zum OS New Way of payments

Advanced Fraud Reduction,
Built Into Every Transaction

Advanced Fraud Reduction,
Built Into Every Transaction

Advanced Fraud Reduction, Built Into Every Transaction

Security isn’t an add-on at Zūm Rails—it’s the foundation of every payment, ensuring trust, compliance, and long-term stability.

Security isn’t an add-on at Zūm Rails—it’s the foundation of every payment, ensuring trust, compliance, and long-term stability.

Security isn’t an add-on at Zūm Rails—it’s the foundation of every payment, ensuring trust, compliance, and long-term stability.

Layered Protection at Every Step

Ready to Bill

From Day One

From onboarding to real-time transaction monitoring, Zūm Rails applies multiple layers of fraud prevention to ensure every payment is accurate, compliant, and secure.

From onboarding to real-time transaction monitoring, Zūm Rails applies multiple layers of fraud prevention to ensure every payment is accurate, compliant, and secure.

Validate During Onboarding

Confirm KYC details, banking information, and account balances upfront to stop fraud before money moves.

Built-In Name Matching

Match cardholder names to account records in real time, reducing synthetic identities, chargebacks, and unauthorized transactions.

Penny Test Verification

Authenticate accounts with instant or same-day penny-drop verification, ensuring accuracy and account validity.

Dynamic Fraud Controls

Protect every transaction with 3D Secure 2.0 and sanction screening, blending seamless user experience with regulatory compliance.

Security That Evolves With Every Threat

Security That Evolves With Every Threat

At Zūm Rails, fraud protection isn’t static—it grows with you. From onboarding to transaction monitoring, our layered defenses adapt to new risks, safeguard sensitive data, and maintain compliance. Every payment is protected, every interaction secured, and your business is always one step ahead.


We’re SOC 2 Type II certified and PCI DSS compliant, meeting top security and data protection standards.

At Zūm Rails, fraud protection isn’t static—it grows with you. From onboarding to transaction monitoring, our layered defenses adapt to new risks, safeguard sensitive data, and maintain compliance. Every payment is protected, every interaction secured, and your business is always one step ahead.


We’re SOC 2 Type II certified and PCI DSS compliant, meeting top security and data protection standards.

At Zūm Rails, fraud protection isn’t static—it grows with you. From onboarding to transaction monitoring, our layered defenses adapt to new risks, safeguard sensitive data, and maintain compliance. Every payment is protected, every interaction secured, and your business is always one step ahead.


We’re SOC 2 Type II certified and PCI DSS compliant, meeting top security and data protection standards.

Card Issuance

Prepaid and secured credit card programs fully managed by Zūm - no bank involved.

Card Issuance

Prepaid and secured credit card programs fully managed by Zūm - no bank involved.