Accept every way to pay through one payment gateway
A merchant-ready gateway with hosted checkout, payment links, tokenization and smart routing across acquirers. Onboard merchants, process payments, settle funds and manage disputes from a single platform.
- Hosted checkout, payment links and SDKs
- Cards, wallets, bank transfers and QR
- Multi-acquirer routing with automatic failover
- Merchant onboarding, settlement and dispute tools
Nova Store
Order #48213
$129.00
3-D Secure · Tokenized · PCI aligned
From operational friction to a platform that scales
The problems we hear most often from teams running Payment Gateway products, and how we solve them.
The challenge
- Single-acquirer setups lose sales whenever that acquirer has issues
- Merchant onboarding is manual and slow
- Settlement and fee calculations are handled in spreadsheets
- Chargebacks and fraud eat into margins
Our approach
- Smart routing across acquirers to maximise approval rates
- Digital merchant onboarding with KYB and risk scoring
- Automated settlement, fee and payout calculation
- Fraud rules, 3-D Secure and a structured dispute workflow
Everything you need, ready to configure
Proven building blocks you can launch together or roll out in phases.
Hosted checkout
Conversion-optimised, branded checkout pages for web and mobile.
Payment links & invoices
Collect payments over chat, email or social without a website.
Tokenization vault
Store cards securely for one-click and recurring payments.
Smart routing
Route by BIN, currency, cost and acquirer health with failover.
Merchant management
KYB onboarding, pricing plans, sub-merchants and merchant portal.
Settlement & disputes
Settlement batches, fee deductions, payouts and chargeback handling.
The life of a payment
- 01
Step 1
Checkout
Customer pays by card, wallet, bank transfer or QR.
- 02
Step 2
Authorize
Risk checks, 3-D Secure and routing to the best acquirer.
- 03
Step 3
Capture & clear
Captured transactions are cleared with networks and partners.
- 04
Step 4
Settle
Merchant funds are settled net of fees on your schedule.
Built for growth, operations and control
Acceptance
- Cards and 3-D Secure
- Apple Pay / Google Pay
- Bank transfers
- QR payments
Developers
- REST APIs
- Web and mobile SDKs
- Plugins for e-commerce
- Sandbox environment
Merchants
- Self-serve onboarding
- Merchant dashboard
- Refunds and payouts
- Sub-merchant support
Risk
- Fraud rules engine
- Velocity checks
- Chargeback workflow
- PCI DSS scope reduction
Delivered as a complete product
Not just code. Branded, tested, documented software your team can operate from day one.
Integrations we connect
- Card acquirers
- Card networks via processors
- 3-D Secure providers
- Digital wallets
- Open banking
- QR schemes
- Fraud scoring vendors
Checkout & SDKs
Hosted pages, JS and mobile SDKs, e-commerce plugins.
Merchant portal
Transactions, refunds, payouts and reports for merchants.
Admin console
Merchant risk, pricing, settlement and support tools.
Gateway APIs
Payments, refunds, tokens and webhooks.
Security you can show your regulator
Controls are designed in from the first sprint and documented for your audits and licence applications.
- PCI DSS-aligned architecture
- Card tokenization
- 3-D Secure 2
- HSM-backed key management
- Webhook signing
- Rate limiting and WAF
Payment Gateway FAQs
Common questions from teams evaluating this solution.
Still have questions?
We usually reply within one business day.
Yes. The routing engine supports multiple acquirers and can split traffic by rules, cost or performance, with automatic failover.
The platform is designed to align with PCI DSS and to minimise your scope through tokenization and hosted fields. Certification is completed with your QSA for your environment.
Yes. Every merchant gets a portal for transactions, refunds, settlements, API keys and team access.
Let's scope your Payment Gateway project.
Tell us about your corridors, customers and timelines. We will come back with a clear architecture, delivery plan and estimate.
- 30-minute discovery call
- Proposal in about a week
- NDA available on request