Payment processing software for gateways, aggregators and merchants
Accept, route, settle and reconcile payments across cards, transfers, wallets and mobile money, under your brand or ours.
Payment businesses win on reliability, speed of settlement and how easy they are to integrate. Our payment processing platform gives payment service providers, aggregators and large merchants a proven core they can launch on quickly and extend over time.
- Multi-rail acceptance. Cards, bank transfers, direct debit, USSD, QR, wallets and mobile money through one API.
- Smart routing. Route transactions to the best processor by cost, success rate or availability, with automatic failover.
- Merchant lifecycle. Online onboarding with KYB checks, risk tiers, pricing plans, dashboards and payouts.
- Settlement and reconciliation. Automated settlement files, fee calculation, chargebacks and three-way reconciliation between processor, bank and ledger.
The platform is available off the shelf for fast launch, or as a white-label build branded and configured for your licence and market.
Key features
Available as a branded, customised build or as an off-the-shelf licence.
- Unified payments APIOne integration for all payment methods with SDKs and plugins for popular e-commerce platforms.
- Hosted checkout and payment linksBranded checkout pages, invoices and links with no card data touching the merchant.
- Merchant onboarding and KYBDigital applications, document upload, verification and risk scoring.
- Smart routing and failoverRules by cost, success rate, BIN, amount and processor health.
- Fees and pricing engineFlat, percentage, tiered and capped pricing by merchant and method.
- Settlement engineScheduled and instant settlement with holds, reserves and split payments.
- Chargebacks and disputesDispute intake, evidence collection and deadline tracking.
- Fraud rulesVelocity, geolocation, device and amount rules, with a review queue.
- Merchant dashboardLive transactions, settlements, refunds and downloadable statements.
- Tokenisation and vaultCard tokenisation for recurring and one-click payments with secure storage.
- Webhooks and notificationsReal-time events for merchants and internal systems.
- High availabilityRedundant infrastructure designed for peak volumes such as salary days.
Reports and automated email reporting
Reports run on schedule and land in the right inboxes as PDF or Excel, with live dashboards for anyone who needs the detail.
- Transaction success rateBy processor, method, bank and merchant, refreshed in real time.
- Settlement reportGross, fees, net and payout status by merchant, emailed daily.
- Revenue and fee incomeFee income by merchant, product and period.
- Chargeback ratioDisputes by merchant and reason with trend alerts.
- Reconciliation exceptionsUnmatched items between processor, bank and ledger.
Questions about payment processing
Can we launch the payment platform under our own brand?
Yes. The white-label edition carries your brand on the checkout, dashboards, emails and API documentation.
Does the platform support split payments?
Yes. Payments can be split between multiple parties, such as marketplaces and their sellers, at the time of settlement.
How is card data protected?
Card data is tokenised and stored in a secure vault designed to meet card industry security standards. Merchants using hosted checkout never handle raw card data.
Works well with
Reconciliation and settlement
Automated bank, processor and ledger matching, settlement calculation and exception workflows.
Learn moreFinancial transaction monitoring
Real-time AML and fraud rules, screening, risk scoring, case management and regulatory reports.
Learn moreInvoicing, billing and collections
One-off and recurring billing, payment links, automated reminders, receipt matching and collections tracking.
Learn moreReady to put the right software to work?
Tell us how your business runs today. We will show you what can be live this week, and what a bespoke build would look like.