Accept every payment, everywhere
POS, SoftPOS, online, QR, pay-by-link and ATM on one acquiring core, with onboarding and settlement built in.
One platform, every acceptance channel
Pick a channel. The same core handles routing, risk and settlement.
Smart terminals at the counter
Smart and traditional terminals for chip, contactless and wallets, managed remotely.
Turn a phone into a terminal
A white-label app turns NFC Android phones into secure terminals.
Connect the till to the terminal
The till sends the amount to the terminal. No re-keying.
Checking with the card issuer…
Frictionless: no challenge neededtok_8fK2…4242Interactive demo. No real payment is made.
Checkout that converts
Hosted checkout or direct API, with tokens and 3-D Secure.
Scan-to-pay at any counter
Static or dynamic codes, paid from any banking or wallet app.
Get paid with a link
Share a secure link by SMS, email or chat. Paid in a few taps.
ATM driving and fleet control
Multi-vendor fleets monitored and managed from one console.
Follow one card payment from tap to payout
Each capability sits at the moment it does its job.
- Terminal management (TMS)
- P2PE-ready
- Dynamic Currency Conversion
Card data is encrypted at the terminal and sent to the acquiring core.
- 3-D Secure 2
- Card-on-file tokens
- MCC & risk management
- Stand-in and fallback
Risk-checked, then routed via the scheme to the issuer for a real-time decision.
- Pricing & fees
- Open standards
Approved payments are captured and sent to the schemes in clearing files.
- Multi-currency
- Automated reconciliation
Funds arrive net of fees, are reconciled and paid out to the merchant.
- Chargebacks & disputes
If the cardholder disputes, the case runs against scheme deadlines.
Typical timings; they vary by scheme and set-up. Scheme acceptance is subject to your licences and scheme memberships.
Onboard, manage and protect your merchants
Digital KYB onboarding, a self-service portal and risk tools in one place.
- Application
- KYB & UBO
- Risk & MCC
- Provisioning
- Go live
Volume by hour
Recent transactions
Illustrative data
Questions acquirers ask
Does PayNRoute hold the acquiring licence?
No. PayNRoute provides the technology and processing platform. The acquiring licence and card scheme memberships are held by our institutional clients, such as banks and licensed payment institutions.
Can it connect to our existing switch and core banking system?
Yes. Integration uses industry standards such as ISO 8583 and ISO 20022 messaging, REST APIs and webhooks, so the platform can sit alongside your existing switch, core and finance systems.
How is card data protected?
Card data is protected through tokenization, HSM-backed key management and P2PE-ready terminal support, within an architecture designed to align with PCI DSS requirements.
Ready to grow acceptance?
See the platform with your channels, schemes and settlement rules.