From Onboarding
to Settlement
Follow the complete merchant journey — KYC approval, API or hosted integration, payment lifecycle, webhooks, reconciliation, disbursements, fraud controls, and ongoing support.
One continuous path from first signup to scaled operations
PayoFlux is designed as an end-to-end payment operating system — not a single API call. Follow the journey below to see how merchants onboard, integrate, accept, settle, and scale.
From signup to approved account
Every merchant completes a structured onboarding path before live traffic is enabled — so compliance, pricing, and operational readiness are clear from day one.
Approved merchant account with sandbox access and a clear path to live processing.
Create your account
Register with email or Google, verify your identity, and secure the account with optional two-factor authentication.
Complete KYC details
Submit business profile, processing details, directors (for companies), and required identity or incorporation documents.
Video KYC & agreements
Complete video verification when required, then review and accept platform agreements before rate assignment.
Review & go-live readiness
Our team reviews the application, assigns commercial rates, and unlocks live credentials after approval.
Connect once — choose your acceptance path
PayoFlux supports three production-ready integration styles. Start in sandbox, validate flows end-to-end, then switch to live keys without redesigning your stack.
A validated integration path with documentation, sandbox proof, and production credentials ready.
REST Charge API
Server-to-server card charging with encrypted payloads, idempotency support, and live/test path separation.
Hosted Checkout
Redirect customers to a secure hosted card page when you prefer not to handle card capture UI yourself.
Payment Links
Generate branded, shareable links with fixed or customer-entered amounts — ideal for invoices, sales teams, and remote collections.
Credentials & sandbox
Use test API keys, encryption keys, and test cards (including 3DS simulation) before processing real transactions.
What happens on every transaction
Each payment moves through a controlled lifecycle — from request intake to gateway authorization, status confirmation, and merchant notification.
Higher authorization rates with full visibility from request to confirmed payment status.
Request intake
Your system sends a charge, hosted checkout, or payment-link request with amount, currency, and card or customer context.
Risk checkpoints
Configurable rules evaluate card, BIN, email, IP, and domain signals. Allowlists and velocity limits can block or allow before routing.
Smart routing & cascading
The platform selects an acquiring connector by priority or split logic. On decline or failure, cascading can retry the next eligible gateway.
Authorization & status
The gateway authorizes or challenges (including 3DS). Final status is available via API lookup and pushed through webhooks.
Run payments from one dashboard
After go-live, merchants operate day-to-day payment workflows from a unified portal — without jumping between gateway consoles.
Centralized operations for finance, support, and engineering teams.
Monitor transactions
Search sandbox and production payments, inspect timelines, export records, and track statuses in real time.
Refunds & disputes
Request refunds from the merchant portal and collaborate with ops on chargeback or suspicious flags when needed.
Webhooks & notifications
Receive queued webhook events with retries, review delivery history, and keep your systems synchronized.
Support tickets
Raise merchant support tickets directly from the portal for technical or operational issues.
Reconciliation to disbursement
Settlement is designed for finance teams: transparent reconciliations, balance visibility, and controlled disbursement requests.
Clear money movement from successful payments to reconciled balances and payouts.
Reconciliation records
View generated reconciliations, balances, and history so funding cycles stay auditable and predictable.
Settlement destinations
Configure bank or crypto destinations with the account details your finance team needs for payouts.
Wallet disbursements
Request or cancel disbursements against available balance, with clear request status in the portal.
Reporting packs
Export operational reports and share password-protected analytics packs with stakeholders when required.
Grow without rebuilding payments
As volume grows, PayoFlux scales with multi-gateway connectivity, stronger risk posture, partner programs, and dedicated operational tooling.
A payment stack that expands with your business instead of becoming a bottleneck.
Expand connectors
Add or rebalance acquiring gateways through routing rules — without a new merchant integration.
Strengthen fraud posture
Tune risk rules, IP/card allowlists, and velocity controls as your traffic patterns evolve.
Partner distribution
Work with partners for referrals and commission visibility through the partner portal.
Enterprise operations
Rely on RBAC-backed admin workflows, auditability, and support channels built for production payment teams.
Visual flow of a successful charge
Every card payment follows the same governed path — so finance, engineering, and support share one operational model.
Risk checks run before gateway submission
Cascading can retry another connector on failure
Webhooks keep your systems in sync after confirmation
Everything merchants need after go-live
Beyond acceptance, PayoFlux covers credentials, notifications, risk, settlements, refunds, and support — so your payment program stays manageable as volume grows.
Launch with confidence
Use this checklist before switching from sandbox to live traffic. It mirrors how successful merchants validate PayoFlux in production.
Complete KYC and receive account approval
Generate sandbox API keys and encryption key
Integrate charge, hosted checkout, or payment links
Validate approvals, declines, and 3DS with test cards
Configure webhook endpoint and confirm deliveries
Review routing preferences and risk rules
Confirm settlement destination details
Rotate to live credentials and process a controlled live test
Simplify Payments with PayoFlux
One platform to accept, manage, and scale your payment operations.
