Platform

The engine behind
every payment

Routing, risk, analytics and settlement — the same platform powers every method you accept.

Tokenisation✓ ALWAYS ON
Smart routing✓ ALWAYS ON
Auto-retry
3-D Secure
Network tokens
Apple Pay & Google Pay
VISA
OZ:FKX8:USN27XTM
Debit · CommBank
A$840.00
MC
OZ:2HFW:CZC4WQKW
Credit · NAB · 3DS
A$1,489.56
AMEX
OZ:PJTP:CAK8BLJA
Insufficient funds
A$827.24
PAY
OZ:QKTC:XX3AMU87
Apple Pay · Visa
A$89.90
PayTo
OZ:M9PR:8Z6YTK21
PayTo · ANZ
A$3,500.00
Total volume
A$52,530.20
Acceptance rate
92.6%
01

Smart routing & retries

Each transaction goes through the best-performing acquirer for its card, region and amount. Soft declines retry automatically on the next route.

Routing rules
● LIVE
RouteApprovalShare
Acquirer A · AU94.2%46%
Acquirer B · EU91.8%31%
Acquirer C · UK89.5%15%
Fallback86.1%8%
if bin.country == "AU" && amount > 500_00
  → route("acquirer_a").retry("acquirer_b")
02

Fraud monitoring & prevention

Real-time risk scoring, velocity rules, device fingerprinting and 3-D Secure — stop bad actors without adding friction for good customers.

Risk monitor
● LIVE
12risk score
Velocity checks ● pass
Device fingerprint ● match
3-D Secure ● frictionless
pay_8f2…a91A$2,400.00BLOCKED
pay_1c7…e02A$129.00REVIEW
pay_4b0…77dA$58.40APPROVED
03

Conversion monitoring

See approval and drop-off rates per method, market and acquirer. Spot issues in minutes and optimise checkout with data, not guesswork.

Conversion by method
● LIVE
Checkout conversion
87.4%
+4.2 pts
Cards
85.1%
Wallets
93.6%
Open Banking
90.2%
04

Live tests for payment methods

Launch a new local method for a slice of traffic, measure its impact and roll out when the numbers are right.

Live method tests
● LIVE
Apple Pay
AU · NZ
3,204 txns
PayTo
AU
1,118 txns
BLIK
PL
Paused
iDEAL
NL
842 txns
Google Pay
Global
2,561 txns
05

Settlement & funds management

Multi-currency balances, flexible payout schedules and clear reconciliation — funds are held securely and settled to your bank account.

Balances & settlement
● LIVE
AUD available
A$482,190.40
USD available
$126,044.12
EUR available
€88,310.00
GBP available
£41,720.55
Next payoutTomorrow · 09:00 AEST
To business account •• 0921 · T+1

Secure by default. Compliant by design.

Protecting your customers' data and your revenue is built into every layer.

Card data security

Card data is tokenised and never touches your servers when you use hosted fields or checkout.

Strong authentication

3-D Secure 2 and SCA-ready flows, applied intelligently to keep friction low.

Compliance support

KYB, AML monitoring and regulatory guidance from a team that knows the Australian market.

Resilient infrastructure

Redundant, monitored infrastructure with automatic failover between providers.

Build your optimal payment setup

Tell us about your business and we'll put together a tailored proposal — usually within one business day.