The orchestration layer between checkout and every PSP
Six modules, one integration. Each is independently useful — together they make multi-PSP feel like single-PSP.
Every transaction is scored against live PSP performance — BIN, geo, currency, MCC, ticket size, time of day — and routed to the acquirer most likely to approve it. Decisions in <100ms p99.
Soft declines and issuer-side failures are automatically retried through alternative providers within the authorization window. Recover ~30% of would-be declined revenue with zero buyer friction.
Tokenize once, use everywhere. Cards are stored in our PCI-DSS scoped vault and provisioned to every connected PSP — so switching acquirers never breaks recurring billing.
Approval rates, costs, chargebacks, settlement and disputes normalised across every PSP. Drill from a global KPI all the way down to a single authorization attempt.
Build merchant-specific routing logic without shipping code: weight providers by cost vs auth rate, lock in MIT routes, fence off high-risk BIN ranges, A/B test waterfalls.
Per-transaction 3DS decisioning, native exemption handling (low-value, TRA, MIT), and pluggable fraud scoring (in-house or BYO Sift / Forter / Riskified).
Architecture, in one paragraph
Your checkout calls a single VeloxaPay endpoint. The router scores live PSP performance and picks the best acquirer. The vault provisions a network token for that PSP. The transaction runs; if it declines, the cascade engine retries through the next provider in your waterfall. Webhooks fire in real time; reconciliation lands the next morning. Funds never touch VeloxaPay — they settle straight from your acquirer to your bank.
We'll wire a sandbox to your data and show authorization lift before you sign anything.