Payment Processing

Shaping the Future of Payments, Today!

Experience a future proof scalable, fast, secure and highly customisable solution.

Introducing the PayNetWorx Platform

At PayNetWorx, we’ve engineered our payment technology platform from the ground up, and it’s a game-changer.

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Platform Features

In-House Innovation

Developed entirely by PayNetWorx, our platform is crafted to meet the specific needs of our customers, offering unmatched customization and support

Cloud-Based Efficiency

Our platform is fast & secure, designed to handle high transaction volumes without compromising performance. With built-in fail-over protection for safety and availability.

End-to-End Solution

PayNetWorx supports payments across various channels, including eCommerce, retail terminals, POS systems, mobile devices, and wearables, ensuring seamless payment anywhere.

Under the Hood

We’ll work closely with you to determine the optimal discount amount and implement the program effectively.

RISK Engine

Our risk management tool evaluates multiple parameters to assign a risk grade, determining an entity’s suitability for onboarding into the PayNetWorx system. This engine is crucial in maintaining a secure and compliant payment environment.

This engine governs access control across the entire platform, managing permissions for users, devices, and applications to ensure that only authorized entities interact with the system.

Simplifies the onboarding process for all entities, including ISOs, banks, merchants, and devices, by managing their configurations within the system. This ensures a smooth integration process for new users and partners.

Supports the calculation and distribution of commissions, residuals, and fees, providing a transparent and efficient way to manage financial transactions between different entities

Continuously monitors transaction activity, identifying and mitigating fraudulent transactions before they impact your business

AUTHORIZATION Engine

Directs transactions to the appropriate card associations for approval, ensuring that your payments are processed accurately and efficiently.

Automatically assigns the correct interchange codes and pricing for each transaction, optimizing your processing costs

Generates clearing files for transactions processed outside the SMS/ATM networks, ensuring that all transactions are settled accurately

Manages the entire chargeback process, guiding transactions through each dispute phase to ensure fair resolution

SETTLEMENT Engine

Handles the generation of ACH and SEPA funding files, ensuring that funds are transferred to the appropriate parties promptly

Provides both daily and on-demand reconciliation of account movements between card associations, banks, and merchants, maintaining accurate financial records

Offers customizable and on-demand reports, giving you detailed insights into your transaction data and helping you make informed decisions

Manages all communications generated by PayNetWorx applications, including SMS, email, and other message types, ensuring that important information reaches the right parties

Under the Hood

We’ll work closely with you to determine the optimal discount amount and implement the program effectively.

Operational Engines

Enhance the shopping experience for international customers by offering transparent currency conversion at the point of sale. Customers can choose to pay in their native currency or the local one, reducing fees and increasing their likelihood of purchase

  • Commisions/Fees Engine

  • Settlement Engine

  • Clearing Engine

  • Authorization Engine

  • Reconciliation Engine

  • Fraud Engine

  • Reporting Engine

Administrative Engines

Enhance the shopping experience for international customers by offering transparent currency conversion at the point of sale. Customers can choose to pay in their native currency or the local one, reducing fees and increasing their likelihood of purchase

  • Entity Onboarding Engine

  • Permissions Engine

  • Disputes Engine

  • Messages Engine

Spotlight on Our Product Sets

We’ll work closely with you to determine the optimal discount amount and implement the program effectively.

Dynamic Currency Converter

Enhance the shopping experience for international customers by offering transparent currency conversion at the point of sale. Customers can choose to pay in their native currency or the local one, reducing fees and increasing their likelihood of purchase

Transaction Recycling

Don’t lose revenue to failed transactions. Our Transaction Recycling service automatically resubmits declined payments for authorization, turning potential losses into approvals and increasing your overall revenue.

Transaction Clean Up

Ensure compliance and optimize interchange rates with our Transaction Clean Up service. It automatically corrects any settlement issues behind the scenes, saving you time and money while maintaining the integrity of your transactions.

Account Updater

Reduce losses from declined recurring payments with our Account Updater. It automatically updates card details, reducing membership cancellations and improving customer retention without the need for direct customer contact.

Recurring Payments

Streamline regular payments, such as membership fees, with our Recurring Payments service. This tool simplifies budgeting for customers and boosts your revenue by improving customer loyalty and reducing attrition rates