PayoFlux
Payment Processing

Enterprise-Grade Payment Processing

Process millions of transactions with sub-100ms latency, intelligent routing, and automatic failover. Built for scale, designed for reliability.

Core Capabilities

Everything You Need to Process Payments at Scale

Advanced payment processing infrastructure designed for modern fintech companies and enterprise platforms.

Card Payment Acceptance

Accept credit and debit cards through REST APIs, hosted checkout, and branded payment links — with live and sandbox credentials for every merchant.

Multi-Currency Processing

Process multi-currency card payments with FX conversion support for eligible merchants, subject to gateway coverage and regional availability.

Hosted Checkout

Launch a secure hosted card checkout experience quickly, without building and maintaining payment UI and 3DS flows from scratch.

Intelligent Gateway Routing

Route transactions across multiple acquiring gateways with priority rules, split logic, and cascading failover to improve approval rates.

Configurable Fraud Controls

Apply risk rules for card, BIN, email, IP, and domain — plus allowlists and velocity limits at the connector level before processing.

Real-Time Notifications

Queued webhook delivery for transaction events with retries, signing material, and operational visibility for failed deliveries.

Payment Links

Create shareable payment links with fixed or customer-entered amounts, expiry controls, and branded checkout templates.

Settlements & Disbursements

Reconcile merchant balances, manage settlement destinations, and request wallet disbursements to bank or crypto destinations.

Real-Time Analytics

Transaction dashboards, connector performance insights, exports, and shareable analytics packs for finance and operations teams.

How It Works

Seamless Payment Processing Flow

From transaction initiation to completion-every step optimized for speed and reliability.

1

Transaction Initiated

Payment request received via API, hosted checkout, or payment link with encrypted card data and transaction details.

2

Fraud Check

Configurable risk rules, allowlists, and velocity checks evaluate the request before routing to an acquiring gateway.

3

Gateway Routing

Intelligent routing to optimal payment gateway based on success rates, cost, and geographic location.

4

Authorization

Gateway authorization request with automatic retry logic and cascading to backup gateways if primary fails.

5

Reconciliation

Automatic reconciliation with split payments, commission calculations, and real-time webhook notifications.

Performance Metrics

Built for Enterprise Scale

<100ms
Average Response Time

Sub-100ms latency for payment processing

99.99%
Uptime SLA

Enterprise-grade reliability guarantee

10M+
Transactions/Day

Handle millions of transactions daily

98.5%
Success Rate

Industry-leading approval rates

Start Processing Payments Today

Get started with our payment processing engine. No credit card required for the free trial.