Platform
One integration. Every method your customers use.
Pay by Bank, cards, Apple Pay and Google Pay, and payouts behind a single API and a single dashboard. Turn on what you need.
The methods
- Read more about Pay by Bank
01
Pay by Bank
Account-to-account, authorised in the banking app. No interchange, no chargebacks, funds in seconds.
- Read more about Card processing
02
Card processing
Visa and Mastercard through connections we bring — no acquiring contracts to negotiate.
- Read more about Apple Pay & Google Pay
03
Apple Pay & Google Pay
One-tap checkout on the card connection, no extra integration.
- Read more about Payouts & refunds
04
Payouts & refunds
Withdrawals and refunds straight to a bank account.
Routing
Routing, not guesswork
Across the methods you have turned on, every payment is scored on cost, the customer’s country and bank, and recent success rates, then sent to the best available one. You set the priorities; we execute them.
One clean decision per payment — no chains of failed attempts, no surprise fees.
One payment, scored
- Cost of the rail
- A
- Country and bank
- A
- Recent success rate
- B
Routed to Pay by Bank cheapest, clears fastest
Regulated flows
Built for regulated businesses from the start, not retrofitted for them later.
KYB onboarding
Business verification handled before you go live, with the document list known up front.
PSD2 and SCA
Authentication happens inside the customer’s own bank, on the bank’s infrastructure.
Full audit trail
Every state change on every payment is recorded and exportable.
UK and EU residency
Data stays in the region you operate in.
Declines
Declines are returned as a single general status. We do not expose internal risk or routing logic to your customers or in your logs.
Payouts & refunds
Money goes back out on the rail it came in on. Withdrawals and refunds land straight in a bank account, with the same reporting and the same reconciliation file as your pay-ins.