Infrastructure that makes every payment channel perform
Orchestration, optimization and reporting in one layer that sits between your checkout and the global payments ecosystem.
Smart routing
Rules and ML models pick the provider with the highest approval odds per BIN, market, amount and card scheme in real time.
Cascading & retries
Declined transactions are instantly re-attempted on the next best rail, recovering revenue that would otherwise be lost.
Dynamic currency conversion
Present prices in the shopper’s currency with transparent, competitive FX and capture the margin on every conversion.
500+ provider network
Acquirers, PSPs, wallets, local APMs, open banking and crypto rails, all behind a single normalized API.
Unified analytics
One reconciled view of authorization rates, costs, chargebacks and settlement across every provider you run.
Tokenized vault
Network tokens and a PCI-compliant vault keep cards portable, so switching providers never costs you a customer.
How it works
From integration to optimization in weeks, not quarters
01
Connect once
A single API, SDKs and a hosted checkout replace every one-off provider integration.
02
Define your logic
Build routing, cascading and FX rules in a visual editor no engineering release required.
03
Optimize continuously
PentePay learns from every transaction and rebalances traffic toward the best performing rails.
Remove or reframe as an engineering design target rather than a measured metric.
Remove until verified or reframe as a roadmap objective.
No single point of failure
Global coverage
Every method your customers expect, wherever they pay
Launch a new market without a new integration. PentePay maintains the connections, certifications and settlement logic so your team can focus on conversion.
Average authorization uplift
+11%
Reduction in processing cost
-23%
Cards & acquiring
Wallets
Local methods
Emerging rails
Trust & compliance
Built to the standard regulators and banks expect
PCI DSS Level 1
Built on infrastructure designed to PCI DSS standards, with formal certification underway.
Tokenization & 3DS2
Exemption logic that keeps friction low.
GDPR & data residency
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99.99% uptime SLA
Engineered for enterprise-grade reliability across a multi-region, active-active architecture.