FrameOS — The Operating System for High-Compliance Merchants

Stop stitching together payment processors, compliance tools, and fraud prevention. FrameOS is the complete operating system for high-compliance merchants.

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Collapse the stack

Every tool high-compliance merchants need to operate, scale, and stay compliant.

Payments

Fraud monitoring

Billing

Payouts

Chargeback defense

Background checks

Geocompliance

Checkout

Creator shield

Identity

Payments

Fraud monitoring

Billing

Payouts

Chargeback defense

Background checks

Geocompliance

Checkout

Creator shield

Identity

Industries we support

The platform for high compliance merchants and partners

Compliance built in

KYC, fraud detection, and AI-first underwriting in one platform.

Compliance built in

KYC, fraud detection, and AI-first underwriting in one platform.

Go live faster

One integration, one review. Move money in days, not months.

Common use cases

Payments that keep up with the itinerary

Advance bookings, cross-border cards, and high-value transactions come with the territory. Built-in 3DS authentication, fraud detection tuned for travel, and a team that knows the difference between fraud and a family trip.

Payments that keep up with the itinerary

More on how we support travel

Payments and payouts

Built to handle

complexity

Built to handle

complexity

No more gateways

Accept payments without coordinating between separate gateway and processor integrations.

No more gateways

Accept payments without coordinating between separate gateway and processor integrations.

Grow on stable ground

More approvals while you ship with components that just work. Our API doesn't need a complicated setup.

Seamless money movement

Payments in. Payouts out. Cards, ACH, Cash App Pay*. Every payment method, one balance.

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Accept every way to pay

Cards, ACH, Apple Pay, Google Pay, Cash App Pay, and digital wallets. Every payment method your customers use all flows into one balance.

Easy, instant, and safe payouts

Send funds to bank accounts, debit cards, or wallets. Fast disbursements with built-in compliance checks on every payout.

Own customer relationships

Your brand, your checkout, your customer data. Frame powers the infrastructure; your customers never see us.

Sophisticated reporting

Transaction-level detail, settlement reconciliation, and dispute tracking in one dashboard. Export what you need, when you need it.

Identity Verification

Let the good in.

Block fraudsters.

Let the good in.

Block fraudsters.

Verify identities instantly

Verify customers against trusted data sources before processing payments.

Verify identities instantly

Verify customers against trusted data sources before processing payments.

Verify liveness

Confirm a real person is present and their face matches their ID.

Confirm identities with confidence

The same verification engine we use for compliance and underwriting is now available for your business.

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Verify your customers

Run identity checks against trusted data sources in real time. Fast enough for checkout, thorough enough for compliance.

KYC Prefill

Auto-populate identity fields from a name and phone number so customers verify in seconds, not minutes. Less friction, fewer drop-offs.

Verify identity documents

Driver's licenses, passports, and government IDs verified against the source document. Catch fakes without slowing down legitimate customers.

Sophisticated reporting

Full audit trail on every verification, who was checked, when, what matched, what didn't. Exportable and compliance-ready.

billing & invoicing, without the headaches

Easily manage billing

and invoicing.

Easily manage billing

and invoicing.

Bill for usage at scale

Bill as many products as you want and ingest up to 1M events per second.

Bill for usage at scale

Bill as many products as you want and ingest up to 1M events per second.

Bill for usage your way

Supports consumption-based billing, prepaid credits, or usage allowances.

Power any pricing model with flexibility

Frame helps engineering and business teams collaborate on complex billing through the API and a visual interface.

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Usage metering

Track usage and bill accordingly, for API products, metered services, or any model where charges scale with consumption.

Hybrid plans

Combine flat subscriptions with usage-based pricing in the same billing flow. One integration handles both.

Invoicing

Send invoices and collect payment automatically. Net 30, Net 60, or custom terms.

Advanced billing

Subscription management, proration, upgrades, and downgrades are handled without custom code.

Fight Fraud & Chargebacks

Fewer chargebacks.

More revenue.

Fewer chargebacks.

More revenue.

Data from payments

Sonar is integrated across Frame, so our systems use payment data to block fraud.

Data from payments

Sonar is integrated across Frame, so our systems use payment data to block fraud.

Data from your checkout

Sonar learns buyer patterns from your site and app to detect and block anomalous payments.

Sonar by Frame

Block fraud with AI-powered detection. Recover revenue after disputes with automated chargeback representment.

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Transaction monitoring, included

Detect and prevent transaction fraud while maintaining a seamless user experience.

Shift liability with 3DS

Transfer chargeback liability to card issuers with our 3D Secure solution.

Block known bad actors

Protect your business from fraudsters by implementing custom block lists.

Avoid dispute monitoring programs

Stay off Visa and Mastercard’s monitoring lists (VAMP/MDMP) and avoid fines.

frame os - infrastructure for platforms

frame os

The operating system

for platform payments

The operating system

for platform payments

Compliance on autopilot

Embedded KYC, KYB, and IDV that runs in the background. Get merchants live without the compliance bottleneck.

Compliance on autopilot

Embedded KYC, KYB, and IDV that runs in the background. Get merchants live without the compliance bottleneck.

One balance, every direction

Accept payments, split revenue, and disburse funds across any method from a single ledger.

Embed payments and compliance

Power your platform with payments, payouts, and compliance.

One integration, no infrastructure to build.

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Merchant onboarding

KYC, KYB, and document verification built into your signup flow. Approve merchants in minutes, not weeks.

Accept every payment method

Cards, ACH, wire, and more. One integration, one balance.

Managed payouts

Send money to bank accounts, cards, or wallets on your schedule.

Ongoing compliance

Stay compliant with automated monitoring and reporting.

Onboarding, simplified

Payments + compliance = speed

When money movement and compliance live together, onboarding is fast. Access the sandbox today and go live within 3 days of review.

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Today

Day 3

Day 7

Today

Create an account

Provide business info and verify identity

Connect your business bank account

Provide processing history

Day 3

Get underwritten

Most verticals approved in days

We tell you what we need, when we need it

Transparent requests, as they happen

Track your application status live

Day 7

Go live

Pre-built SDKs for most tech stacks

Use our Shopify plugin

Go live and start transacting

Sounds great, how much?

Pricing that scales with your business.

Your rate improves as your business does. Start at our standard tier, no minimums required. Process more, pay less per transaction. It's that straightforward.

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Card payments

A comprehensive platform with straightforward, pay-as-you-go pricing. Rest assured, there are no setup charges, monthly fees, or concealed costs to worry about.

PCI compliance

Onboarding and migration support

No contracts or setup fees

Rates starting from

2.0%

+ 0.39

per successful transaction

Rates determined by our AI underwriting model based on your processing history, dispute rates, and overall business profile.

Apply now. Build today.

Process this week.

Apply now. Build today.

Process this week.