The problem
A PSP’s engineering budget goes into integrations: each provider’s API, callbacks and quirks, then the cabinet, the checkout, the reports. Meanwhile merchants ask for the next local method and the next country, an acquirer changes its API, and the person who wrote the routing rules leaves. The product the PSP sells is its merchants’ approval rate and its own service; the platform underneath is a cost that never ends.
What Tranzify gives a PSP
- Every provider in the catalogue through one contract: enable it, enter your account, write a rule. Acquirers, local methods, Open Banking, crypto and payout rails are adapters inside the platform with one set of statuses.
- Routing and cascading that recover declines and balance volume between acquirers: rules by amount, country, BIN, scheme and time window, cascades with priorities and weights, limits per terminal, versions with rollback.
- A hosted checkout and a merchant cabinet under your brand, in 29 and 3 languages respectively, with your domain, logo, colours and mail sender.
- Finance: balances per merchant and currency, fee rules per merchant and terminal, rolling reserve, settlement requests with approval, reports in XLSX and CSV — your ledger, your settlements.
- Operations: the trace of every payment, webhooks with resend, support tickets, roles, two-factor authentication and the audit log.
- A migration path for merchants you bring from another platform: by a link or through the sandbox, one by one, with the history imported for reports.
How a PSP runs on the platform
| Team | Before | With Tranzify |
|---|---|---|
| Engineering | Builds and maintains provider adapters, the checkout, the cabinet | Integrates nothing; reviews releases, runs the platform in its own cloud if it chooses |
| Operations | Asks developers to change routing, add a provider, fix a callback | Changes routing in the builder, adds a terminal, reprocesses a callback, all from the back office |
| Sales | Sells what the platform supports | Sells every method and country in the catalogue, with the on-request ones built on demand |
| Support | Collects screenshots from merchants | Opens the payment’s trace and answers with the facts |
| Finance | Reconciles spreadsheets | Approves settlements against the ledger, exports reports, matches providers’ statements |
What stays yours
The licence, the merchant agreements, the provider contracts and accounts, onboarding and KYC, the settlement and the money. Tranzify is the software under your brand and in your control; it accepts, holds and transfers nothing. The regulatory status page explains the position, and the agreement and the data processing agreement document the split.
How it starts
A demo on your flows, then a network under your domain, your providers in the terminals, your first merchant on the checkout — typically within a week for integrations marked available. Merchants then move one at a time while the old platform keeps running; the migration page lists the checklist we go through together. From the first day, every payment, callback and retry is in the journal for five years, and your team sees every one of them.