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Person using tablet showing checkout screen totaling $1,000 and mobile device displaying payment confirmation.

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Don’t just process.
Convert.

The payment orchestration and acquiring platform engineered for acceptance. Higher approval rates, lower fees, and a checkout experience that seals the deal.

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Trusted by industry leaders in 32+ countries

Every failed payment is lost revenue.
We get it back.

Route

Intelligent routing powered by a licensed acquirer - every transaction directed down the highest-performing path, with no third-party dependencies slowing you down

Recover

Automatic fallbacks that silently catch failed transactions - real-time retry logic that reroutes declines before your customer ever notices.

Convert

Native network tokenisation built into the core platform - fewer card-not-present declines, higher authorisation rates, no bolt-ons required.

Protect

Fraud-aware orchestration with real-time monitoring - fraud signals fed directly into routing logic, so every transaction is assessed, optimized, and protected in one motion.

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Most orchestration platforms route your payments - then stop there. Pay.com goes further.

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With intelligent routing built into the same platform, we automatically direct each transaction down the highest-performing path and silently recover failures in real time.

As a licensed acquirer and principal member, we control the full stack. That means no external dependencies, no silent failures, and no one else's limitations becoming yours.

Scale proven at volume

99.999%

historical uptime

faster merchant onboarding than the industry standard

98%

of customer payments volume

$ billions

processed every month

Payments

Optimisation

Protection

Treasury

Capture global sales with a full suite of payment methods, orchestrated through a dynamic, embedded checkout. Secure card data in a centralized vault, and manage your outgoing funds effortlessly with automated payouts.

Explore Payments

Turn declines into captured revenue with intelligent routing and automated failover to recover transactions the moment they fail. Network tokens maximize authorization rates, while real-time monitoring keeps your entire stack visible and in control.

Explore Optimization

Defend your margins and cut your dispute workload with a proactive risk engine that blocks fraud with 3DS and passkey authentication. Pre-dispute collaboration and automated workflows resolve disputes before they escalate.

Explore Protection

Automate settlement reconciliation and gain absolute financial visibility. Manage global accounts, global payouts, and foreign exchange across every transaction — all from a single command center.

Explore Treasury

Case studies

How ExpressVPN turned payment performance into a global growth engine

“Our payment stack is now a genuine competitive advantage — a unified dashboard, smarter risk management, and intelligent routing all working together in one place.”

Read Full Story

11%

Conversion rate increase

$55M+

Additional annual revenue

Top companies use Pay.com for:

iGaming & Sports Betting

eCommerce & Retail

Digital Media & Streaming

SaaS & Software Platforms

Travel & Hospitality

Crypto & Digital Assets

WealthTech & Investment Platforms

iGaming & Sports Betting

eCommerce & Retail

Digital Media & Streaming

SaaS & Software Platforms

Travel & Hospitality

Crypto & Digital Assets

WealthTech & Investment Platforms

See the revenue you’re leaving behind

Discover how much additional revenue you could generate by improving your approval rates through intelligent payment orchestration.

ROI Calculator

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One platform. Built for growth and scalability.

Payment platforms Stripe, Worldpay, Paysafe, and Pay.com linked to reconciliation overview with matched and unmatched status.

For CFOs

Reconcile settlements across all providers

Automate settlement reconciliation and decode hidden fees across multiple providers in seconds, not hours

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For Head of Payments

Maximize your global authorization rates

Take strategic control of your global payment infrastructure. Use intelligent routing to rescue declines, boost approvals, and protect your bottom line.

System status shows all systems operational and uptime SLA at 99.999%.

For Engineering Teams

Integrate in minutes with headless APIs

Accelerate integration timelines with our API-first architecture. Access clear documentation, robust SDKs, and headless infrastructure backed by guaranteed 99.999% uptime SLAs.

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For Operations Teams

Gain total operational visibility

Consolidate your fragmented payment stack into a single dashboard. Automate your back-office tasks, save time, and track your global cash flow.

Frequently asked questions

Does Pay.com support SMBs as well as enterprise merchants?

Yes. SMBs get a no-code drop-in checkout, transparent flat-rate pricing, and self-serve onboarding, while enterprise customers get bespoke commercials, dedicated account management, and access to advanced orchestration features like custom routing rules and multi-acquirer setups.

How fast can I get started and go live?

Most merchants complete onboarding and start accepting payments within days, not weeks. Developers get sandbox access immediately, and the drop-in checkout or API typically lets you go live in under a week.

Does Pay.com act as the acquirer, or does it connect to third-party acquirers?

Both. Pay.com offers its own licensed acquiring in key markets and also connects to third-party acquirers, banks, and APM providers worldwide. That means you can use Pay.com end-to-end or keep your existing providers and let Pay.com orchestrate across them.

What is Pay.com and how does it work?

Pay.com is an all-in-one payment infrastructure that lets merchants accept online payments through a single, unified platform. It combines a payment gateway, acquiring, orchestration, a token vault, and analytics, so you plug in once and route, optimize, and settle payments globally without stitching together separate vendors.

Have more questions? Get all the answers.

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