Compare · Screening payments before you settle them

Screening payments before you settle them.

A facilitator settles payments between agents and sellers. Screening each one before settlement protects you and your users. Here are the options.

Side by side

	No screening	Build it in-house	Lumière PayCheck screening
OFAC sanctions (SDN list)	No	You maintain the list and matching	Checked on every call; list refreshed daily
Payout-wallet hijacks	No	You track wallet history	Flagged when an endpoint's payout wallet changes unexpectedly
Overcharges	No	You compare against past quotes	Flagged when a quote is far above what the endpoint usually charges
Endpoint trust data	No	You build and run monitoring	Grades from continuous monitoring and real paid tests
Time to add	None	Weeks to months, then ongoing upkeep	One API call before you settle
Cost	Free	Engineering and maintenance	10,000 checks a month free, then $1.5 per 1,000

Other approaches vary by provider and setup. Lumière PayCheck details reflect how it works today.

No screening if…you're on testnet only.

Build it if…screening is your core business and you have a team to maintain it.

PayCheck if…you want sanctions, hijack and overcharge checks without building and maintaining them.

Do you see or hold the payment?

No. You send the payment details for a check and get an answer; settlement stays with you.

Where do I start?

Get a free facilitator key on the facilitators page; the free monthly checks start right away.