One integration. Smarter routing. Higher approvals.
Vault Pay connects merchants to every PSP, bank and acquirer through a single API — with built-in risk, compliance, cascading and hosted checkout.
An orchestration layer for every payment you take.
Vault Pay sits between your checkout and the entire payments ecosystem — making intelligent decisions on every transaction.
Smart routing & cascading
Route by geography, currency, MCC, cost or success rate. Automatic fallback when a provider times out.
Risk engine
Scoring, velocity rules, 3DS triggers and blocklists — composable rules with full audit trail.
Compliance built-in
KYB, sanctions, MCC and country rules enforced before a transaction ever reaches a provider.
Payment links & pages
Spin up branded hosted checkout, payment links and embeddable widgets in under 30 seconds.
Unified connector layer
Connect once to Vault Pay. We normalize PSPs, banks and acquirers behind a single API.
Provider analytics
Live approval rates, latency and cost per provider. Route to the channel that performs.
From checkout to acquirer in one hop.
Every payment passes through compliance, risk scoring, and the routing engine before reaching the optimal provider. If a route fails for technical reasons, Vault Pay cascades automatically.
- Provider-agnostic API for cards, bank transfers and APMs
- Idempotency keys and payment attempts modeled separately
- Webhook normalization across every provider
- Sandbox and live environments fully isolated
// One API. Every provider.
await vaultpay.payments.create({
amount: 10000,
currency: "GBP",
customer: { email: "john@example.com" },
payment_method: { type: "card" },
success_url: "https://merchant.com/ok",
metadata: { order_id: "ORD-1001" }
});
// → routed, scored, and authorised in <200msShip payments in an afternoon.
A single REST API, predictable webhooks, and SDKs that wrap every provider behind one consistent interface. Use hosted checkout, or embed the widget anywhere.
Built for merchants who can't afford a declined payment.
Connect once. Route everywhere. Recover revenue you didn't know you were losing.