Risk level: Medium risk

Payment orchestration for digital goods and gaming

Digital goods are delivered the second a payment is approved, so a decline is a lost sale and a fraudulent approval is a lost refund. Orchestration gives the publisher's PSP cards, UPI in India, QRIS in Indonesia, MoMo in Vietnam, BLIK in Poland and USDT where cards are scarce, routes small payments at high volume to the acquirer that approves them, applies velocity limits per card and account, and journals every payment with its chargeback.

What goes wrong without orchestration

A wave of card testing passes through the only acquirer because there is no velocity limit per card, BIN or account, and the chargebacks arrive a month later.
Players in India, Indonesia and Vietnam leave the checkout because it offers cards only, and most of them pay with UPI, QRIS or MoMo.
A dispute over a consumed item cannot be answered because the payment, the delivery and the account are in three systems.

What orchestration changes

Routing by BIN, country and amount to the acquirer with the best approval rate on small tickets; cascading of a decline to the next acquirer or to a local method; velocity limits per card, account and terminal; USDT for markets where cards are scarce or decline often; every payment, refund and chargeback journaled for five years and traceable to the account. The publisher’s PSP enables the methods from the catalogue; the licensed provider settles the funds.

Methods by market

Europe and North America: Visa and Mastercard; BLIK in Poland, instant and without chargebacks.
India: UPI, instant, with refunds on the same rail.
Indonesia and Vietnam: QRIS and MoMo, paid from the wallet the player already has. The platform runs under the licensed client’s registration; the licensed local provider performs the intermediation.
Crypto: USDT (Tether) for deposits and payouts in markets where cards are scarce; on-chain settlement, no chargebacks.

Typical methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available UP UPI Bank transfers & instant payments · 1 countries Available QR QRIS QR payments · 1 countries Available MO MoMo (Vietnam) Wallets · 1 countries Available BL BLIK Wallets · 1 countries Available US USDT (Tether) Crypto · 7 countries Available

Frequently asked questions

Why is digital goods a medium-risk vertical?+

Instant delivery and small amounts attract card testing and friendly fraud, and chargebacks come weeks after the item was consumed. Velocity limits and methods without chargebacks keep the ratio down.

Who holds the licence?+

The publisher’s PSP or acquirer, Tranzify’s client. Tranzify supplies the software; it does not onboard merchants, hold funds or perform KYC.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

✓ Not a financial institution
✓ Money never passes through us
✓ Built to PCI DSS requirements