The Payment Company

Platform

A complete payments stack for high-risk operators.

Every component is built in-house, certified, and operated under a single SLA. You ship faster with fewer vendors and a single ledger of truth.

Payment Gateway

A vault-grade gateway with hosted checkout, server-to-server API, iframe and native SDKs. Tokenisation, network-token provisioning and account updater included.

  • REST + SDKs
  • PCI-DSS scope reduction
  • Smart routing across MIDs

High-Risk Acquiring

Direct bank relationships across the EEA, UK, US, LATAM, MENA, APAC and offshore — placed thoughtfully against your risk profile and processing geography.

  • 40+ acquiring partners
  • Cascading MIDs
  • Settlement in T+2 to T+5

Multi-Currency

Accept in 152 currencies, settle in 38, hold balances in 14. Wholesale FX with transparent spreads and an in-house hedging desk.

  • DCC opt-in
  • Forwards & options
  • IBAN-V accounts

Chargeback Mitigation

Proprietary scoring, Ethoca and Verifi alerts, RDR enrolment and a representment team that has won over $42M for our clients last year alone.

  • Pre-dispute alerts
  • Compelling-evidence packs
  • Visa CE 3.0 ready

Fraud & 3DS 2.2

ML-driven fraud scoring tuned per vertical, combined with frictionless 3DS 2.2 — lifting approvals without inviting risk.

  • Device + behavioural
  • Velocity & rules engine
  • Issuer-tuned routing

Mass Payouts

Single API for SEPA, Faster Payments, ACH, RTP, Pix, card push and crypto rails. Schedule, batch, two-step approve.

  • Push-to-card
  • SEPA Instant
  • USDT / USDC

Recurring & Subscriptions

Card account updater, dunning intelligence, smart retries and dynamic descriptors to keep recurring revenue compounding.

  • Smart retries
  • Pause/resume APIs
  • Pro-rata billing

Treasury & Reconciliation

Real-time ledger, granular reconciliation files, multi-entity consolidation and SFTP delivery to your ERP.

  • Real-time ledger
  • Custom reports
  • ERP-ready files

Alternative Payment Methods

120+ local APMs — from iDEAL, Bancontact and BLIK to PIX, OXXO, Konbini and crypto. Routed by issuer geography automatically.

  • 120+ APMs
  • Regional optimisation
  • Single integration

Integration

Live in days, not quarters.

Drop-in hosted checkout for those who want speed, a REST API for engineers who prefer control, and prebuilt SDKs for Node, Python, PHP, Ruby, .NET, Java, Go, iOS and Android. Webhooks, sandbox, and a dedicated integration engineer come standard.

POST /v1/charges
Authorization: Bearer ap_live_••••

{
  "amount": 49900,
  "currency": "USD",
  "source": "tok_visa_•••",
  "descriptor": "AURUM-FX",
  "metadata": { "merchant_ref": "ORD-90412" }
}

Architecture

One stack. Three planes. Zero hand-offs.

Edge plane

Hosted checkouts, drop-in elements and SDKs distributed via a 280-PoP edge network. Sub-50ms response under load, with on-the-wire tokenisation and PCI-DSS scope reduction.

Core plane

Routing, authorisation, capture, refund, void and dispute orchestration. Real-time ledger writes, idempotency keys, atomic settlement boundaries. Multi-region active-active across Frankfurt, Dublin and Singapore.

Treasury plane

Per-currency settlement, FX conversion, payouts and reconciliation. Daily files in CSV, JSON, Parquet or SWIFT MT940; SFTP delivery to your ERP or data warehouse.

Service-level commitments

Numbers we publish, audit and stand behind.

Gateway uptime
99.995%

rolling 12-month, contractually backed

Authorisation latency
< 280ms

p95, transaction submission to authorisation

Settlement reliability
99.97%

files delivered on schedule

Support response
≤ 30 min

24/7 Sovereign tier; 4h Premier; 12h Starter

Disaster recovery RTO
< 15 min

active-active multi-region failover

Disaster recovery RPO
0

synchronous write replication

Webhook delivery
99.99%

with idempotent retry up to 72h

Sandbox parity
100%

every prod feature is sandbox-callable

Integrations

Plays nicely with the stack you already run.

E-commerce

Shopify, WooCommerce, Magento 2, BigCommerce, PrestaShop, OpenCart

Subscription billing

Recurly, Chargebee, Stripe Billing (as PSP), Maxio, custom

Fraud & identity

Sift, Forter, Sardine, Onfido, Persona, Veriff, Yoti, Sumsub

KYT & blockchain

Chainalysis, Elliptic, TRM Labs, Notabene

ERP & accounting

NetSuite, SAP, Oracle EBS, QuickBooks, Xero

Data warehouse

Snowflake, BigQuery, Databricks, Redshift via Fivetran / Stitch

Ready when you are

Begin a private conversation with our underwriting team.

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