Payoneer Global Inc. announced a partnership with Oscilar, a provider of AI‑driven risk decisioning solutions, to embed Oscilar’s AI Risk Decisioning™ platform into its global digital payments network. The integration will enable Payoneer to deploy predictive analytics, accelerate model iteration, and adapt fraud controls in real time across its core payment systems.
Oscilar’s platform uses agentic AI and advanced signal processing to analyze complex transaction data, detect anomalies, and automate risk decisions. By incorporating this technology, Payoneer will be able to identify emerging fraud patterns faster, reduce false positives, and maintain a frictionless experience for its millions of SMB, marketplace, and freelancer customers. The move is positioned as a key component of Payoneer’s broader strategy to protect growing transaction volumes while expanding into higher‑margin, larger‑volume markets.
The partnership follows Payoneer’s Q3 2025 earnings miss, in which revenue fell short of expectations at $248.3 million versus the consensus of $263.4 million, and earnings per share were $0.04 against an estimate of $0.06. Management cited lower-than‑expected revenue growth and increased investment in fraud prevention as contributing factors. The new AI partnership is intended to strengthen fraud detection, reduce future losses, and support the company’s ability to scale safely as it targets larger enterprise customers.
Chief Compliance Officer Micheal Sheehy emphasized that the collaboration will provide autonomous, scalable controls for detecting and preventing fraud while preserving a personalized customer experience. Sheehy noted that “Oscilar’s AI architecture empowers us with the agility to rapidly iterate our models, leverage continuous machine‑learning capabilities, and orchestrate complex risk strategies.” The partnership aligns with Payoneer’s up‑market focus and signals confidence in its ability to deliver a comprehensive financial stack to global businesses.
Investors responded positively to the announcement, reflecting confidence in Payoneer’s strategic focus on enhancing security and operational resilience. The partnership is expected to reinforce the company’s competitive position in the fintech space and support its growth trajectory in higher‑margin segments.
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