Payment Processing
Accept, route and settle payments across card networks, bank transfers and local rails — with authorization optimization and automated reconciliation that removes manual finance work.
Cross-border collections without the operational drag
Most businesses selling internationally face the same pattern: declining authorization rates on card payments, settlement delays across corridors, and a finance team spending days each month manually reconciling ledgers against processor reports.
We consolidate your payment stack behind a single routing layer that selects the optimal rail for each transaction based on cost, speed and approval likelihood. Card-not-present transactions are routed through intelligent retry logic with network tokenization; bank transfers are matched against SEPA, ACH, Faster Payments or local equivalent depending on the payer's market.
Settlement reporting is automated — funds land in your nominated accounts with a full audit trail, and our reconciliation engine matches every inbound payment against your invoices or order records before your finance team starts their day.
Result: higher approval rates, shorter settlement cycles, and near-zero manual reconciliation effort.
Figures shown are indicative and vary by market, payment method mix and integration scope.
What is included
Multi-rail routing
Intelligent transaction routing across card networks, bank transfers, e-wallets and local payment methods based on cost, speed and issuer behavior.
Authorization optimization
Network tokenization, intelligent retry scheduling and issuer-specific MCC tuning to lift first-attempt approval rates by 3–8 percentage points.
Settlement and reconciliation
Automated matching of processor payouts against your order ledger with exception flagging, multi-currency netting and daily settlement reports.
Chargeback defense
Automated evidence collection, representment drafting and win-rate tracking. Disputes are responded to within network deadlines without manual intervention.
Merchant reporting
Scheduled and on-demand reports covering transaction volume, approval rates by corridor, fee analysis, refund trends and payout reconciliation summaries.
Multi-currency collection
Accept payments in 25+ currencies with configurable FX handling — settle in your base currency or hold balances for natural hedging.
How it works
Discovery and payment audit
Week 1–2. We map your existing payment flow end to end — acquirers, processors, settlement accounts, failure modes and reconciliation gaps. Deliverable: current-state assessment with authorization rate analysis by corridor and a prioritized optimization roadmap.
Routing architecture design
Week 2–3. Based on the audit we design your target routing topology — which rails serve which corridors, fallback logic, retry policies and FX handling rules. Deliverable: technical architecture document and integration specification for your engineering team.
Integration and testing
Week 3–4. Our engineers work alongside yours to connect payment endpoints, configure webhooks and validate settlement flows in sandbox. Deliverable: passing integration test suite covering happy path, decline handling and reconciliation matching.
Phased traffic migration
Week 4–5. We shift traffic corridor by corridor starting with lowest-risk markets, monitoring authorization rates and settlement timing in real time. Deliverable: migration status dashboard and go/no-go checkpoint at each phase gate.
Steady-state operations
Ongoing. Daily settlement reconciliation, weekly performance reporting, chargeback response management and quarterly routing optimization reviews. Your dedicated ops lead is available for ad-hoc analysis and escalation.
Technical details
| Parameter | Specification |
|---|---|
| Supported rails | Visa, Mastercard, Amex, SEPA Credit Transfer, SEPA Instant, ACH, Faster Payments, Pix, UPI, iDEAL, Bancontact, PayNow |
| Currencies | 25+ accept currencies; settlement in USD, EUR, GBP, JPY, SGD, AUD or local |
| Authorization rate (typical uplift) | +3 to +8 percentage points over baseline within 60 days of routing optimization |
| Settlement latency | T+1 to T+3 depending on corridor and rail; instant settlement available for domestic card |
| Reconciliation | Automated three-way match (processor report, bank statement, order ledger) with exception queue |
| Chargeback response SLA | Evidence drafted within 48 hours of dispute notification; submission within network deadline |
| API and webhooks | RESTful API with idempotency keys; webhook delivery with exponential retry and dead-letter queue |
| Compliance | Controls operated to PCI DSS Level 1 service provider requirements, certification in progress; card data never touches your infrastructure when using our hosted fields |
FAQ
What is the typical settlement cycle for cross-border card payments?
For most corridors, card settlements arrive T+2 business days. Domestic transactions within the US, UK and EU typically settle T+1. We publish a corridor-by-corridor settlement matrix during onboarding so your finance team can forecast cash flow accurately.
How do you handle chargebacks and disputes?
When a dispute is filed, our system automatically gathers transaction evidence — delivery confirmation, IP geolocation, device fingerprint and communication logs — and drafts a representment package. You review and approve before submission. Our clients see a median win rate improvement of 15 percentage points over self-managed responses.
Can we keep our existing acquirer relationships?
Yes. Our routing layer sits above your acquirer accounts. You retain your merchant agreements and negotiated rates; we add orchestration, retry logic and reconciliation on top. Where better economics exist, we will recommend additional acquirer relationships but never require them.
What does the integration effort look like for our engineering team?
A standard integration takes 5–10 engineering days depending on your checkout architecture. We provide SDKs for common stacks, hosted payment fields for PCI scope reduction, and a dedicated integration engineer during the build phase. Most clients are processing live traffic within three weeks of kickoff.
Start collecting more, faster.
Share your current authorization rates and corridors — we will show you where the uplift is.