Payment infrastructure we plan to build
A payment gateway and orchestration platform for digital businesses, from API request to reconciliation. Everything on this page is planned product scope, not a service available today.
Connect
How digital businesses could connect to the planned platform.
Payment APIs
One API for payment requests, refunds and status checks across connected providers.
Real-time webhooks
Event notifications, so merchant systems can react when a payment status changes.
Multiple acquiring connections
More than one acquirer or licensed provider, each under its own agreement.
Route
How each payment request would find its way.
Payment orchestration
A layer that manages how payment requests move between connected providers.
Smart routing
Rules that choose a route by method, country, currency or provider availability.
Cascading and retry logic
Fallback to another route after a soft decline or technical failure, within scheme rules.
Operate
How businesses could manage payment operations.
Payment gateway
A planned gateway for businesses to manage payment methods and connected providers through one integration.
Multi-merchant management
Configuration, permissions and settings for many merchants in one place.
Merchant dashboard
A view of each merchant's payments, statuses and reports.
Reconcile
How records would stay accurate afterward.
Transaction reporting
Searchable records and exports across methods and providers.
Reconciliation
Matching gateway records against provider reports to surface differences.
Refund management
Full and partial refund requests, tracked through to the provider's response.
Planned. Scope may change as partners and our regulatory structure are defined.
How cascading would work
Connecting more than one provider gives a payment request somewhere else to go when the first route cannot complete it.
- A payment request reaches the orchestration layer.
- Rules select the primary route.
- The provider's response returns to the merchant.
Concept illustration of planned behavior. It does not show a live system.
Rules and records in one place
The planned merchant dashboard would show routes, refunds, reports and reconciliation for each merchant.
| When a payment is | Try first | Then fall back to |
|---|---|---|
| Portugal, MB WAY | Provider A | Provider B |
| Poland, BLIK | Provider C | Provider D |
| Cards, cross-border | Provider A | Provider C |
| Record type | Comparison | Result |
|---|---|---|
| Gateway record | Found in provider report | Matched |
| Refund request | Found in provider report | Matched |
| Gateway record | Missing from provider report | Review |
Technology, not custody
We plan to provide the technology layer. We do not hold, receive, move or settle funds. Any regulated activity would be carried out by appropriately authorized entities.
Payments for your business. Across Europe.
Discover our planned approach to European payments and talk to us about your business needs. The gateway is still in development.