The problem
A merchant with several PSPs has several integrations, several reports and no single place where a declined payment is tried again with another acquirer. Each PSP has its own tokens, so stored cards are tied to the PSP that stored them; each has its own report, so finance reconciles three formats; and adding a local method for a new country means another integration project. A marketplace adds the other side: sellers in several countries who want to be paid on local rails, with a ledger that shows who is owed what.
What Tranzify gives
- One checkout and one API over every PSP and acquirer you use; routing by country, BIN, amount, scheme and time window; cascading on declines, so a payment declined by one acquirer is tried on the next before the customer notices.
- A card vault with tokens that work across acquirers, so a stored card is not tied to one PSP and a subscription survives a change of acquirer.
- Payouts to sellers and partners through local rails, single or from a file, with limits and a ledger per seller.
- One trace per payment, one set of reports, one place for refunds and chargeback data, in XLSX and CSV for your finance team.
- Local methods and Open Banking in new countries through the catalogue, as rules and accounts rather than integration projects.
- Your own payments team in the driver’s seat: the flow builder, the terminals, the fees and the audit log are in your back office.
Routing for a merchant
| Goal | Rule |
|---|---|
| Lower fees | Domestic cards to the local acquirer, foreign cards to the cross-border one, by card country and scheme |
| Fewer declines | A cascade from the primary acquirer to the second on a decline, with limits that keep the second within its contract |
| Higher approval for subscriptions | Merchant-initiated charges with the acquirer that holds the token, a cascade to another acquirer that has seen the card |
| New country | The local methods of the country on the checkout, routed by the customer’s country, cards as the fallback |
| Maintenance | A time window that moves traffic away from an acquirer during its nightly maintenance |
What stays with your PSPs
Merchant agreements, settlement, chargebacks handling and compliance. Tranzify orchestrates the traffic between them and gives your team the picture; it does not hold or move your money and does not replace the acquiring relationships you have.
For marketplaces
Pay-ins are routed per country of the buyer; payouts to sellers go through the local rails of the seller’s country, single or from a file; the ledger keeps a balance per seller with the fees and the reserve you set; and the reports reconcile both sides for your finance team and for the sellers’ own cabinets, under your brand.