The payment engine built to accept
Make it easy for customers to pay you anywhere in the world. Process high-volume transactions, own your payment data, and automate your global payouts to maximize your bottom line.
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1 vault
Zero data silos
99.999%
Uptime across every payment request
1 in 3
Failed transactions recovered at checkout
How it works
Go from lost sales to seamless global acceptance in three steps.
Connect your platform
Customize the checkout experience
Start receiving payments
A complete payment solution. From checkout to payout
Equip your business with a full suite of tools designed to maximize your checkout conversions, secure payment data, and automate your global payouts.
Process payments at scale
Grow your revenue with a resilient global acquiring platform designed to handle high-volume processing with maximum stability and lower fees.
Global reach
Accept payments in multiple currencies and settle directly into your preferred currency.
Maximum availability
Rely on an enterprise-grade infrastructure engineered for 99.999% uptime and stability.
Domestic acquiring
Access a global network of local acquirers to increase approval rates and reduce cross-border fees.
Build a checkout that converts
Build a frictionless, branded checkout page using our highly customizable SDK or full headless API. Engineered to eliminate drop-offs at the finish line.
Smart input validation
Prevent user errors before they happen with real-time card type detection, formatting, and dynamic CVV enforcement.
Decline recovery UI
Recover soft declines with context-aware error prompts. Never force the buyer to re-enter the full details.
Partial approvals
Save sales that would normally fail due to insufficient funds. Automatically authorize the available balance and give customers the option to proceed.
Accept how the world pays
Expand your global reach by activating the regional payment methods your customers know and trust.
150+ local payment methods
Accept cards, digital wallets, bank transfers, and popular regional alternatives for maximum conversions.
Dynamic localization
Automatically display the most relevant payment methods based on the buyer’s geographic location.
Instant activation
Turn on new payment methods with a single click inside your centralized dashboard.
Take control of your data
Secure sensitive card details in an independent, PCI-compliant token vault that gives you total control over your customer data.
Eliminate provider lock-in
Retain total ownership of your data so you can easily switch or add acquiring partners anytime.
Proprietary tokenization
Convert sensitive card data into secure, processor-agnostic tokens that can be routed anywhere.
PCI-DSS level 1
Offload your compliance burden while maintaining the highest standard of enterprise-grade security.
Automate your global payouts
Move money as efficiently as you accept it. Seamlessly route funds to customers, partners, and vendors, while streamlining your back-office operations.
Real-time delivery
Send funds directly to compatible cards or local bank accounts 24/7.
Cross-border scale
Deliver payouts natively in multiple currencies using local clearing methods and transparent exchange rates.
Optimize your payout performance
Reduce costs by using data-enabled tools, lower exceptions, and boost acceptance rates for every payout.
Payment operations without the overhead
Let our intelligent platform handle the complexity of global acquiring, payouts, compliance, and risk management so you can focus entirely on growth.
Complete management
Rely on our infrastructure to handle the entire payment lifecycle on your behalf.
Simplified compliance
Navigate global regulations, KYC, and AML requirements without the manual work and internal overhead.
Dedicated support
Get strategic guidance and hands-on operational support from payment industry experts.
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Use cases
Maximize your global revenue
Problem: Fragmented payment systems inflate your international processing fees and obscure your financial visibility.
Solution: Consolidate your payments stack to lower operational costs, boost conversion rates, and gain total clarity of your global cashlow.
Take back control
Problem: Vendor lock-in restricts your routing flexibility, while clunky checkout experiences cost you hard-earned conversions.
Solution: Store your data in our proprietary token vault and deploy an intelligent checkout that automatically recovers soft declines.
Build faster with a unified API
Problem: Maintaining multiple legacy integrations and building compliant payment UIs from scratch drains valuable development time.
Solution: Deploy global checkout flows seamlessly using our headless-ready API and fully customizable, drop-in SDK components.
Automate your manual workflows
Problem: Routing your payouts manually and navigating complex global compliance requirements creates massive bottlenecks for your team.
Solution: Automate your cross-border disbursements and let our experts handle the heavy lifting of international payment operations.
Go beyond Payments
Optimization
Rescue lost sales and push your authorization rates higher with dynamic routing, network tokenization, and instant failover.
Protection
Protect your revenue and lower your chargeback rates. Deploy a proactive risk engine equipped with 3DS and passkey authentication to block fraud and resolve conflicts with automated pre-dispute workflows.
Treasury
Eliminate manual reconciliation and unlock total financial transparency. Manage multiple global accounts, orchestrate cross-border payouts, and handle foreign exchange from a single command center.
Frequently asked questions
Yes. Many merchants use Pay.com acquiring as the default while keeping third-party acquirers and APM providers in the mix for redundancy, local coverage, or specific use cases, all routed through the same orchestration layer.
Yes. Pay.com holds acquiring licences in key markets and is a principal member of the major card networks, which lets us process card payments directly without depending on a third-party acquirer.
Yes. For teams that want full UI control, the Pay.com API exposes every checkout primitive, payment methods, sessions, 3DS, tokens, captures, so you can build a completely custom checkout while we handle the rails behind it.
The checkout automatically detects the shopper's country and currency and shows the most relevant payment methods, including local cards, wallets, BNPL, and bank transfers, to maximize conversion in each market.
Pay.com automatically matches each settlement payout against the underlying transactions, fees, refunds, and chargebacks across all providers. You get a clean, reconciled ledger every day instead of stitching together statements by hand.
FX is built in, you can hold balances in multiple currencies, convert at competitive rates, and let Pay.com net incoming and outgoing flows to reduce conversion volume. Every conversion shows the timestamped rate and any margin so there are no surprises.
Have more questions? Get all the answers.
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