lan Enterprise Connectivity Fabric

Connect Your Payment Ecosystem.

Unify 60+ global gateways, local acquiring networks, digital wallets, and alternative payment methods through a single resilient API. Eliminate vendor lock-in, streamline multi-processor redundancy, and deploy new payment rails with zero code rewrites.

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verified_user Zero Gateway Lock-In

schema Unified Normalized Schema

autorenew Automated Health Polling

lock PCI Scope Isolation

NETWORK CONNECTIVITY hub

60+

Gateway & APM Connectors

SETTLEMENT SCALE currency_exchange

140+

Currencies Supported Globally

FAILOVER LATENCY speed

<150ms

Cascading Failover Trigger

REDUNDANCY SLA check_circle

99.999%

Contractual Route Uptime

Tier-1 Core Routing

Global Acquirers & Payment Processors

Execute zero-friction card transactions with universal token routing, intelligent 3DS2 challenge step-up, and multi-acquirer fallback across leading payment processors.

                                
                                Acquiring Mesh: All 6 Gateways Synchronized
                            

Stripe

Global Acquirer / Tier 1

Certified

Supported Rails: Visa, MC, Amex, Apple Pay, SEPA

Coverage: 47 Countries • USD, EUR, GBP, AUD

Capabilities: Radar Integration, Network Tokens

Operational

99.99% • 112ms Avg Latency

View Connector Specs →

Adyen

Global Unified Commerce

Certified

Supported Rails: All Major Cards, iDEAL, Pix, BLIK

Coverage: Europe, US, APAC, LATAM

Capabilities: Direct Acquiring, ISO-8583 Codes

Operational

99.995% • 98ms Avg Latency

View Connector Specs →

Checkout.com

Global Cloud Acquirer

Certified

Supported Rails: Cards, Apple/Google Pay, QPay

Coverage: UK, Europe, MENA, APAC

Capabilities: Raw Response Telemetry, 3DS2 Exemption

Operational

99.98% • 124ms Avg Latency

View Connector Specs →

Worldpay

Enterprise Merchant Solutions

Certified

Supported Rails: Visa, MC, JCB, Discover, ACH

Coverage: 146 Countries • 126 Currencies

Capabilities: Omnichannel Settlement, PIN Debit

Operational

99.97% • 142ms Avg Latency

View Connector Specs →

Braintree

PayPal Enterprise Service

Certified

Supported Rails: Cards, PayPal, Venmo, Apple Pay

Coverage: North America, Europe, Australia

Capabilities: Native PayPal Vault, Multi-Currency

Operational

99.99% • 118ms Avg Latency

View Connector Specs →

J.P. Morgan Payments

Global Institutional Banking

Certified

Supported Rails: Enterprise Cards, Direct FedNow, ACH

Coverage: 160+ Countries • Global Clearing

Capabilities: Real-Time Treasury, Tier 1 Interchange

Operational

99.999% • 105ms Avg Latency

View Connector Specs →

Alternative Payment Methods

Digital Wallets, Local Rails & Buy-Now-Pay-Later

Maximize checkout conversions across diverse geographic consumer preferences with localized bank transfers, instant account clearing, and installment underwriting.

account_balance_wallet

Digital Wallets

One-touch biometric checkout, tokenized card vaulting, and sub-100ms authorization.

Apple Pay Instant

Global • USD, EUR, GBP, JPY • Native Web & App

Google Pay Instant

Global • Chrome, Android & Web • Tokenized

PayPal Checkout Instant

200+ Markets • Multi-Currency • Buyer Protection

Click to Pay Instant

EMVCo Standard • Visa, Mastercard, Amex

account_balance

Instant Local Rails

Direct bank-to-bank settlement, low fixed fees, and zero interchange chargeback exposure.

iDEAL Instant (NL)

Netherlands • EUR • 60%+ Domestic Share

Pix Real-time (BR)

Brazil • BRL • QR Code & Key Settlement 24/7

UPI Real-time (IN)

India • INR • NPCI Dynamic VPA Integration

SEPA Instant Credit <10s (EEA)

Eurozone 36 Countries • EUR • SCT Inst compliant

shopping_bag

Buy Now Pay Later

Flexible installment financing checkout with automated upfront merchant payouts.

Klarna T+1 Settle

Pay in 3/4, Financing • 20+ Countries

Afterpay / Clearpay T+1 Settle

4 Equal Installments • US, UK, AU, NZ

Affirm T+2 Settle

Monthly Financing, Adaptive • US/CA

Alma T+1 Settle

France & Southern Europe • Installments • EUR

shield_with_heart

Fraud & Risk Engines

Real-time pre-routing fraud evaluation, chargeback prevention, and risk scoring.

Sift <15ms Score

Digital Trust & Safety ML • Abuse Guard

Forter <20ms Score

100% Chargeback Guarantee • Identity Graph

Accertify <18ms Score

Enterprise Risk Management • Amex Network Sync

Signifyd <25ms Score

Commerce Protection Platform • Abuse Prevention

Geographic Topology

Worldwide Regional & Scheme Coverage

Orchestrate cross-border flows with domestic acquiring privileges in 40+ countries. Reduce card scheme fees and bypass cross-border FX surcharges through optimized local routing.

Live Mesh Status: Fully Operational across 18 Regional Points of Presence

Sub-50ms Regional Edge Routing Guaranteed

Europe & UK

32 Countries

EUR, GBP, CHF, SEK, NOK, PLN

Full interchange cap optimization (0.2% debit / 0.3% credit). Direct integrations with Cartes Bancaires, iDEAL, Bancontact, Giropay, and SEPA.

Regulatory: PSD2 SCA / TRA Exemption Engine

North America

US & Canada

USD, CAD

Domestic debit network steering (NYCE, STAR, Pulse, Accel), Level 2/3 commercial card optimization, automated ACH, and FedNow instant rail support.

Regulatory: Durbin Amendment PIN routing compliant

Latin America

Brazil, MX, CO, CL

BRL, MXN, COP, CLP, ARS

Local acquiring routing through local legal entities. Native support for Pix, Boleto Bancário, SPEI, OXXO Pay, and installment card transactions.

Regulatory: LGPD data sovereign storage

Asia-Pacific

14 Countries

JPY, SGD, AUD, INR, HKD

Low-latency routing nodes in Tokyo and Singapore. Direct connectors for PayNow, PayID, JCB, Konbini, UPI, and WeChat Pay / Alipay cross-border.

Regulatory: RBI localization & APRA standards

Runtime Telemetry

Deep-Dive Connector Inspection

Inspect real capabilities, schema mappings, and webhook events before writing a single line of code.

Active Inspector Node

Adyen EMEA Enterprise

v2.4 Live

Protocol REST / JSON v2

Authentication HMAC + API Key

PCI Vault Mode Zero-Raw Token

Failover Tier Tier 1 Primary

Supported Operational Capabilities

check_circle Multi-currency capture (EUR, USD, GBP, JPY, CHF)
check_circle 3D Secure 2.2 Frictionless & Challenge Flow
check_circle Network Tokenization (Visa VTS & Mastercard MDES)
check_circle Partial Authorizations & Split Captures
check_circle Automated Chargeback Webhook Notifications
check_circle Zero-Downtime Soft-Decline Cascading Fallback

Read Connector Documentation →

POST /v1/orchestrator/charges

{
  "idempotency_key": "idemp_98fbc184a20b7",
  "amount": 24900,
  "currency": "EUR",
  "payment_method": {
    "token": "fp_tok_sec_00918239a7c",
    "network_token_eligible": true
  },
  "routing_rule": {
    "strategy": "least_cost_interchange",
    "preferred_gateway": "adyen_emea",
    "fallback_gateways": ["stripe_eu", "checkout_uk"],
    "max_failover_latency_ms": 150
  },
  "3ds": {
    "sca_exemption": "tra_low_risk",
    "challenge_preference": "no_preference"
  }
}

check Normalized schema verified against Adyen API v68 Response: 200 OK (84ms)

Rapid Deployment

Developer Setup Workflow

From sandbox initialization to processing live multi-rail production volume in less than 48 hours.

01 vpn_key

Generate Keys

Generate public/secret API keys with scoped role permissions via dashboard or CLI.

Time: ~2 mins

02 toggle_on

Configure Vault

Enable Stripe, Adyen, or PayPal credentials in the zero-exposure encrypted vault.

Time: ~10 mins

03 sync_alt

Route Test Payments

Run simulated payments with test BINs, validating 3DS challenge steps and soft-declines.

Time: ~15 mins

04 webhook

Register Webhooks

Consume async authorization, capture, and settlement signals with SHA-256 HMAC verification.

Time: ~20 mins

05 rocket_launch

Switch Traffic

Ramp production routing weights gradually: 10% → 50% → 100% with zero downtime.

Live in Production

SDK INTEGRATION SUITE

One Client SDK. All Major Languages.

Whether you develop in Node.js, Python, Go, Java, or PHP, our type-safe libraries abstract away idiosyncratic upstream gateway APIs while preserving access to raw ISO-8583 response codes and gateway reference numbers.

npm install @paykard/node pip install paykard go get github.com/paykard-sdk

PRODUCTION-READY ORCHESTRATION

Ready to Unify Your Global Payment Stack?

Talk with our payment routing architects to evaluate your gateway mix, optimize cross-border interchange, and access our full sandbox ecosystem.

check_circle Zero Vendor Lock-In check_circle Instant API Keys check_circle Dedicated Solutions Architect

Request Sandbox Access Schedule Architecture Consultation