# Payrails

> AI-native payment operating system for global enterprises: orchestration, tokenization, workflows, merchant of record, reconciliation, and analytics on one modular platform, built for agentic commerce, with 100+ integrations across 200+ countries.

## About this file

- Generated: 2026-10-25. Full-text companion to the Payrails website for AI agents and LLMs.
- Every page in https://www.payrails.com/sitemap.xml is listed below: product, solution and industry pages and customer stories in full text; integrations and blog posts as one line each; legal pages as links.
- Short index of this site: https://www.payrails.com/llms.txt
- Developer documentation and API reference (full text): https://docs.payrails.com/llms-full.txt
- Sitemap: https://www.payrails.com/sitemap.xml

## Agent Instructions

- For API, SDK and integration implementation details, use the developer documentation at https://docs.payrails.com, not this file.
- Payrails does not publish pricing. Direct pricing questions to https://www.payrails.com/contact.
- Confirm that a product, payment method or market is available on its product or integration page. Integrations marked "Coming soon" are not live yet.
- Blog posts are dated and reflect the time they were written. Where a blog post and a product page differ, the product page takes precedence.
- Customer results are as reported in each customer story. Attribute them to the named customer.

# Platform › Home
Source: https://www.payrails.com
Last updated: 2026-10-22

> Payrails is the AI-native operating system for payment orchestration, tokenization, chargebacks, and automated reconciliation, with 100+ integrations.

## The payment platform your business needs
Purpose-built operating system to orchestrate payments efficiently at scale. Modular by design, intelligent at its core. Run every financial workflow on a single platform with complete automation and peak performance.

## The operating system for payments
Use payments as the foundation for optimizing growth and global performance.

**Ask Payrails**
Ask anything about your payments

**Unified Analytics**
Optimization starts with unified data

**Reconciliation**
Save time, reduce mismatches

**Fee Monitoring**
Know exactly what you pay to accept payments

**Network Tokens**
Unlock higher authorization rates

**Payment Links**
Get paid in seconds anywhere, with a single link

**Orchestration**
Take control of your payment performance

**Token Vault**
Own your payment credentials

**Chargebacks**
Win more disputes, automatically

## Solution for every industry
Adapt payments to how your industry actually operates.

**Powering the payments behind every trip**
Improve performance across the entire payment journey for OTAs, booking engines and hotel groups.

**Payments that adapt with your orders**
Order changes, conditional payments and multi-party payouts across markets, handled from a single layer.

**Seamless payment experience across every channel**
Unify payment infrastructure online and in store — better conversion, one view of performance.

**Payments designed for rides in motion**
Dynamic pricing, high-frequency transactions, payouts and local methods across providers, from one integration.

**Powering payments between buyers and sellers**
Decouple seller onboarding from processing: route funds across PSPs, run compliant payouts, reconcile every market.

**Payments that power subscription businesses**
Full control over how recurring payments are processed, retried and recovered across every provider.

## Solution for every goal
From the first transaction to global scale, payments that match your journey.

**Be ready for agentic commerce**
AI agents are becoming a new path to purchase. Payrails keeps the payments behind your checkout ready for whatever standard comes next.

**Increase checkout conversions with smarter payments**
Find the best path for every transaction and reuse stored credentials, so a decline is not a lost sale.

**Reduce payment costs and stay in control**
See where payments cost too much, then fix it with intelligent routing, portable tokens and fee monitoring.

**Increase revenue by reducing subscription churn**
Recover failed renewals with retries timed to issuer behavior, and keep credentials current with network tokens.

**Launch new markets faster with local payments**
Stay in control of performance and cost while adding PSPs, issuers and compliance demands in new markets.

**Automate financial operations end-to-end**
Automate reconciliation, unify reporting and prepare chargeback cases in seconds across a multi-PSP setup.

## Customer success stories and case studies
See what teams ship once payment challenges stop getting in the way.

**PUMA boosts payment performance across LatAm with Payrails**

**Eneba improves global payment performance by 3.5% with Payrails**

**Preply reduces payment costs by 30% with Payrails platform**

**Payrails offers payments flexibility with agnostic token vault to Vinted**

**inDrive increases payment approval rates by 11% with Payrails platform**

**Teknasyon increases authorization rates for 250 million active customers by 6% with Payrails**

## Frequently asked questions

**Who is Payrails?**
Payrails is the payment platform for businesses that have outgrown a single provider. Founded in 2021, it gives enterprises a modular, AI-native operating system for the entire payment stack: accepting payments, optimizing performance, and running financial operations end-to-end. Brands and high-growth platforms including Puma, Preply, DeepL and Flix trust Payrails. Payrails has offices in Berlin, London, Dublin, Cairo, and Dubai.

**What does Payrails do?**
Payrails unifies and orchestrates all of your applications and integrations across end-to-end payment and financial workflows: payment service providers (PSPs), alternative payment methods (APMs), anti-fraud providers, ERPs, and a lot more. It helps you independently store sensitive payment credentials, lift authorization rates through routing and retries, initiate payouts around the globe, dispute chargebacks with AI, and automate financial reconciliation. Deep intelligence capabilities allow you to maximize revenue and lower costs without extensive engineering work. The platform processes billions in total payment volume worldwide.

**What is the Payrails Platform?**
The Payrails Platform is a collection of powerful modules that are all accessible together and powered by a unified data foundation. You integrate once and can switch on the capabilities your business needs: Payment Orchestration, Tokenization, Chargebacks, Unified Analytics, Merchant of Record, and more. Every module is seamlessly connected, giving you deep insights and complete control over your payment operations. Payrails supports more than 100 and growing number of integrations, including Adyen, Stripe, SAP, and Salesforce, helping businesses complement and extend their payment stack.

**Who is Payrails for?**
Payrails is built for large enterprises and fast-growing businesses operating at scale across many countries, verticals and channels. Some of the leading players across industries ranging from mobility, delivery, retail, hospitality, marketplaces, e-commerce, and subscription businesses have seen significant business impact from the Payrails platform and its suite of products. Customers include Puma, Preply, DeepL, Flix, and other global leaders.

**How does the process work?**
You integrate the Payrails Platform once and connect your existing PSPs and payment methods. From there, routing rules, retries, and workflows you configure in the dashboard. Payrails optimizes each transaction in real time, then unifies the resulting data for reconciliation, analytics, and financial automation in a single view.

**How does Payrails use AI?**
From the very start of Payrails, the team has put significant emphasis on building the underlying data foundation to unlock superior payment performance. Because Payrails unifies payments and financial data into one clean source of truth, it is able to apply intelligence across the entire lifecycle of a transaction - routing and retrying in the most efficient way, detecting anomalies in real time, matching transaction data for reconciliation, disputing chargebacks on autopilot, and surfacing deeper cost and performance insights through AI-native analytics. This is what lets businesses to move from assistive tools to real autonomy in running payments and financial workflows.

**Why do clients trust Payrails?**
Payrails puts businesses back in control. It is fully provider-agnostic, which allows customers to keep full ownership and control over their payment credentials and data, with no lock-in to a single provider. It is trusted by global brands including Puma, Preply, Vinted, and inDrive, and partners with key players in the payment ecosystem, including Mastercard. Published case studies show customers lifting authorization rates, cutting costs, reducing subscription churn, and entering new markets with far less effort.

# Platform › Finance OS
Source: https://www.payrails.com/platform
Last updated: 2026-10-19

> AI-native payments platform: orchestration, tokenization, reconciliation, chargebacks, payouts, analytics, and fee monitoring, connected to every provider.

## Run all your payments on one intelligent platform
Orchestration, tokenization, reconciliation, chargebacks, payouts, analytics, fee monitoring, and payment links, all on one modular, AI-native platform connected to every provider in your stack. Maximize revenue, lower costs, and grow at the pace of ambition.

## Add capability, not complexity
Payments power every business, yet getting paid often means juggling scattered providers, point tools, and disconnected spreadsheets. Payrails puts your company back in control by consolidating those flows into a single platform, so teams can route, reconcile, dispute, and analyze every transaction from one place.

**Cover the full payment lifecycle**
From the first authorization to the final settlement entry, every step runs on one platform. Orchestration, Token Vault, Reconciliation, Chargebacks, Payouts, Unified Analytics, Fee Monitoring, and Payment Links work together natively, removing the need to stitch together disconnected systems.

**Build a modular payment platform**
No monoliths, no overhauls. Start with one capability and add more as your strategy evolves. Each module works on its own or alongside others, allowing teams to expand the platform without re-platforming. New providers, payment methods, and capabilities can be added without rebuilding existing workflows.

**Connect every provider in your stack**
Payrails integrates with 100+ PSPs, acquirers, fraud tools, BNPL providers, local payment methods, and ERPs through a single integration. Data and workflows are standardized across providers, so teams can route, reconcile, and report without learning each provider's format.

**Run intelligent operations with AI built in**
Specialized ML models and intelligent agents power routing decisions, retry logic, reconciliation matching, chargeback defense, and cost analysis. AI is embedded into every product on the platform, helping teams automate decisions and recover revenue without additional tooling.

## Frequently asked questions

**What is Finance OS?**
Finance OS is a unified operating layer for an enterprise's financial operations. It connects payments, settlements, reconciliation, and reporting into one system, replacing fragmented tools with a single platform.

**What does the Payrails platform include?**
The Payrails platform includes Orchestration, Token Vault, Reconciliation, Chargebacks, Payouts, Unified Analytics, Fee Monitoring, and Payment Links. Each module is fully modular and connected through a unified data layer.

**How is Payrails different from a payment service provider (PSP)?**
A PSP processes transactions on behalf of a merchant. Payrails sits above multiple PSPs and orchestrates payments across them, providing the infrastructure to route, reconcile, dispute, and analyze transactions independently of any single provider.

**Can Payrails work with my existing payment providers?**
Yes. Payrails integrates with 100+ PSPs, acquirers, fraud providers, and local payment methods. Merchants can keep their existing providers and use Payrails to manage them through a single platform.

**Is Payrails modular?**
Yes. Each Payrails product can be adopted independently or together. Teams can start with one module, such as Token Vault or Reconciliation, and expand the platform as their payment strategy evolves.

**How long does it take to implement Payrails?**
Implementation depends on the modules adopted and the number of providers connected. Most teams begin with a single module and expand from there, typically going live within weeks rather than months.

**Is Payrails secure and compliant?**
Yes. Payrails is PCI-DSS Level 1 compliant and built to meet enterprise security, privacy, and regulatory requirements across global markets.

# Platform › Ask Payrails
Source: https://www.payrails.com/ai
Last updated: 2026-10-19

> Ask Payrails uses agentic AI to optimize payment performance, defend chargebacks, reconcile transactions, and flag cost anomalies, so teams focus on decisions.

## Ask anything about your payments
Optimize payment performance, defend chargebacks, reconcile transactions, and detect cost anomalies with the help of agentic workflows. Ask Payrails works alongside your team, automating the repetitive cycles with AI, so people can focus on the decisions that matter.

## AI built into every payment workflow
Most AI bolted onto payments lacks the context to be truly useful. Ask Payrails is embedded directly into the platform, reasoning over your full financial data — transactions, providers, customers, settlements — to help your team work faster and smarter.

**Maximize approval rates with intelligent routing**
Our ML models analyze historical transactions and real-time provider performance, so each payment gets sent through the path most likely to succeed. Smart retry logic recovers soft declines based on issuer behavior, automatically triggering 3DS where needed and recovering revenue that would otherwise be lost.

**Win more disputes with AI-native chargebacks**
Automate the most time-consuming parts of dispute defense. Payrails Chargebacks enriches each case with transaction and order context, generates the defense document, recommends which disputes to challenge, and handles customer communication and refund workflows.

**Auto-reconcile transactions and surface mismatches**
Use LLM-powered matching to reconcile transactions across orders, payments, and settlements. AI auto-resolves expected discrepancies like fees and FX adjustments, surfacing only the complex cases that require human review to drastically reduce month-end closing times.

**Detect overcharges and cost leakage**
Fee Monitoring agent continuously audits settlement data to verify processor fees, detect anomalies, and identify discrepancies before they accumulate. Finance teams get explanations in plain language without parsing thousands of settlement lines, and recover funds when overcharges are confirmed.

**Talk to your payment data**
Our AI analytics assistant lets you ask your payment data anything, giving you a single interface for real-time insights across your entire stack. Get instant, visualized answers on fees, auth and recovery rates, and provider performance, with the clarity to diagnose issues and make better decisions faster.

## Frequently asked questions

**What is Ask Payrails?**
Ask Payrails is the AI layer embedded across every Payrails product. It combines specialized ML models and intelligent agents to optimize routing, defend chargebacks, reconcile transactions, monitor fees, and detect anomalies in real time.

**How is Ask Payrails different from a generic AI tool?**
Generic AI lacks the deep context of a merchant's payment data. Ask Payrails is built into the end-to-end payment flow, so it reasons over transaction history, provider behavior, business rules, and customer context to make domain-specific financial decisions.

**Is Ask Payrails a separate product?**
No. Ask Payrails is built into every Payrails product, including Orchestration, Chargebacks, Reconciliation, Fee Monitoring, and Unified Analytics. There is no separate AI module to integrate.

**What is an AI agent in payments?**
An AI agent is a software system that reasons through open-ended financial tasks rather than following a fixed script. Payrails agents handle scenarios like resolving reconciliation mismatches, defending disputes, or analyzing settlement anomalies.

**How does Ask Payrails improve payment performance?**
Payrails' ML models analyze performance signals across every connected PSP and surface the optimal routing decision. AI agents act on that intelligence: directing transactions to the right provider, recovering failed payments with smart retries, and detecting degradation before it hits your authorization rate.

**How does it improve finance operations?**
Ask Payrails handles reconciliation, chargeback defense, and fee auditing with a level of accuracy and coverage that manual processes can't match. Teams get more disputes won, fewer missed discrepancies, and financial operations that scale without adding headcount.

**Is Ask Payrails auditable?**
Yes. Every agent decision is backed by a deterministic chain of evidence, with logs that explain the reasoning behind each action. This ensures financial decisions remain explainable to auditors, regulators, and finance leadership.

**How is customer data protected when using Ask Payrails?**
Sensitive data is isolated in the Payrails Token Vault, which is PCI-DSS Level 1 compliant. Agents operate within hard-coded safety boundaries and cannot override regulatory or business constraints.

# Platform › Workflows
Source: https://www.payrails.com/workflows
Last updated: 2026-10-19

> Build, route, and replay payment workflows on a visual canvas. No code, no redeployments, and full visibility into every transaction.

## Design how every payment moves
Build and adjust payment flows on a visual canvas, from authorization and fraud checks to capture, refunds, and smart routing. Make changes in minutes and see exactly what happened to every transaction.

## Full control over every payment
Most payment stacks force a trade-off between control and engineering time. With Payrails Workflow Studio, you become the orchestrator. Design, route, replay, and refine every payment flow from a single visual editor without the need for tickets or redeployments.

**Build visually, no code required**
Design the entire payment lifecycle with a canvas. Combine triggers, actions, and conditions into flows that match exactly how your business runs. What used to require an engineering sprint now takes minutes.

**Route with custom rules**
Apply smart routing based on payment method, fraud score, BIN, geography, or provider health — proceed, challenge, or block automatically. Fail over the moment a provider degrades, remember which PSP worked last, and fall back across network tokens. Split traffic and retry with logic tailored to each decline reason.

**Replay any transaction**
Workflow Replay animates the exact path a payment took through your flow. Pinpoint where a payment failed, confirm your logic works as intended, and stop guessing at what might have happened between authorization and settlement.

**Version, validate, ship**
Manage multiple workflow versions, set a default, and move configurations between environments with import/export. Shift a % of traffic to a new version and measure before rolling it out fully. Built-in validation catches misconfigurations before they reach production to ensure that changes go live safely.

## Frequently asked questions

**What is a payment workflow?**
A payment workflow is the sequence of steps a transaction moves through: authorization, fraud checks, 3D Secure, capture, refunds, and routing between providers. With Payrails, you design and manage these workflows visually in Workflow Studio, without writing code.

**Do I need engineers to build payment workflows?**
No. Payrails Workflow Studio is a no-code visual editor. Payments, product, and operations teams can build and adjust flows by placing and connecting steps on a canvas, rather than relying on engineering release cycles.

**How do I see why a payment failed?**
Workflow Replay visually replays a completed transaction on the canvas, tracing the exact path it took and highlighting the step where it failed. This makes it fast to diagnose declines, verify routing logic, and understand timing without digging through logs.

**Can I route payments across multiple PSPs?**
Yes. Workflows let you route each transaction to the right provider based on rules like payment method, BIN, geography, fraud score, or provider health — and automatically fail over the moment a provider degrades, remembering which PSP worked last time. No code changes required.

**Can I change a workflow without redeploying?**
Yes. Changes are made in the visual editor and managed through versions — shift a % of traffic to a new version and measure before rolling it out fully. Built-in validation checks configurations before they go live.

**How is a workflow different from payment orchestration?**
Smoothly and intelligently managing payments across providers is the outcome of payment orchestration. A workflow is how you get there: the visual, configurable logic that decides what happens to each transaction at every step.

**Can Payrails reduce 3D Secure friction or recover a failed payment?**
Yes. Skip 3DS on low-risk transactions, reuse one 3DS flow and cryptogram across every acquirer, and automatically retry a failed customer-initiated payment as merchant-initiated to bypass 3DS and recover the sale.

# Platform › Integrations
Source: https://www.payrails.com/integrations
Last updated: 2026-10-06

> Connect global and local payment processors, methods, BNPL, and fraud prevention providers through one Payrails integration. Explore the catalog

## Frequently asked questions

**What is a payment integration on Payrails?**
A connection between your business and a payment service provider (PSP), acquirer, or payment method. Connect to any provider through a single, unified API and add new PSPs, APMs, and acquirers in minutes, without additional development work.

**Do I need my own accounts with each payment provider?**
Yes. Payrails is provider-agnostic, you connect your own provider accounts and credentials and orchestrate them through a single integration.

**How do I see what each connector supports?**
Each connector's page lists its provider type, coverage regions, supported products, payment methods, and processing capabilities. Use the filters to find connectors by product, region, or type.

**The provider we need isn't listed, can you add it?**
Payrails supports many PSPs and payment methods, including Adyen, Amazon Payment Service, Braintree, Checkout.com, Klarna, Stripe, Tabby, and Unzer, with new providers added regularly. Tell us who you need to connect, and talk to our team.

# Platform › Modularity
Source: https://www.payrails.com/modularity
Last updated: 2026-10-19

> Modular payments infrastructure: evolve your payment stack without rebuilding it, from acceptance to cost optimization and operational workflows.

## Build a payment system that grows with you
Payrails provides a modular foundation that allows merchants to evolve their payment stack without rebuilding infrastructure. Streamline your entire payment journey: from acceptance to cost optimization and operational workflows.

## From fragmentation to full control
Modularity is the foundation for intelligent payments. Built by merchants for merchants, our AI-native platform seamlessly integrates with any existing infrastructure.

**Build a modular payment system with Payrails**
From provider-agnostic orchestration and tokenization to reconciliation, chargebacks, fee monitoring, and more. Powered by unified data, our modular platform allows teams to choose individual payment components and evolve them over time.

**Add providers without rebuilding infrastructure**
Payrails allows merchants to integrate new PSPs, payment methods, or services without replatforming. Providers can be added or replaced as requirements change, without rebuilding flows or migrating systems.

**Operate payments on a unified data foundation**
Payment data is standardized across the entire lifecycle, from transaction processing to settlement and reporting. This increases visibility and reduces inconsistencies between systems, saving time and improving performance.

**Adapt operations as requirements evolve**
Payment systems must continuously adjust to new markets, regulations, and payment methods. Payrails enables teams to update routing, providers, and workflows without large-scale engineering work or system overhauls.

# Payments › Orchestration
Source: https://www.payrails.com/orchestration
Last updated: 2026-10-06

> Payment orchestration software to control how payments move across providers, markets, and issuers. Route dynamically and recover failed payments with AI.

## Take control of your payment performance
Orchestrate payments across providers, markets, and issuers. Payrails helps businesses dynamically route transactions and intelligently recover failed attempts with AI-powered workflows.

## Lower costs and improve performance with smooth payment orchestration
Payment performance depends on thousands of small decisions: who processes the transaction, when a failed payment is retried, how to react when providers degrade. Payrails puts your team in control through configurable workflows, real-time signals, and intelligent automation.

**Dynamic routing via real signals**
Route payments with attributes like BIN, issuing country, issuing bank, card scheme, or card type. Merchant-configured rules incorporate signals like fraud scores, transaction values, or custom metadata to control how payments are routed across providers.
Teams can run A/B tests between PSPs using routing randomization and workflow versioning.

**Performance-based routing**
Payrails routing logic adapts in real time based on provider performance signals, so transactions can automatically shift toward the providers most likely to approve them.
Our ML-powered smart routing module analyzes historical transaction patterns and provider performance to further optimize routing.

**Intelligent retries and decline recovery**
Configure retry strategies based on issuer response codes like insufficient funds, soft declines, or technical failures. Define cooldown intervals, issuer-specific retry timing, and retry limits to maximize recovery while protecting authorization rates.
For risk-related declines, Payrails can automatically trigger 3DS on retry, recovering transactions that would otherwise fail.

**Built-in failover and flexibility**
Payrails continuously monitors provider health to detect outages or performance degradation. If issues occur, transactions can automatically be rerouted to alternative providers.
The platform supports both active orchestration and fallback architectures, allowing merchants to maintain payment continuity. Teams can also override routing logic for specific cases when external payment strategies require direct provider selection.

# Payments › Token Vault
Source: https://www.payrails.com/token-vault
Last updated: 2026-10-06

> PSP-agnostic token vault: store payment credentials without lock-in, and collect, encrypt, and reuse cards, wallets, and network tokens across providers.

## Own your payment credentials
Store and manage payment credentials without being locked in. Payrails Token Vault lets you collect, encrypt, and reuse cards, wallets, and network tokens while avoiding dependency on a single provider.

## Control how payment data is stored and used with Token Vault
Many merchants rely on processor vaults to store card data, which limits flexibility when switching providers or managing payments across multiple PSPs. Our Token Vault stores credentials in a neutral environment so teams can securely manage, reuse, and route credentials across their stack.

**Eliminate vendor lock-in**
Payrails stores customer credentials independently from any single payment provider. Merchants can move volume between PSPs or switch providers entirely without migrating tokens or losing access to stored customer payment methods.

**Minimize PCI scope**
Payrails handles encryption, tokenization, and secure storage of card data. This allows merchants to outsource the PCI-DSS burden and move from complex audits like SAQ-D to simplified compliance under SAQ-A.

**Boost conversion**
Payrails supports Visa, Mastercard, American Express, JCB, and Diners Club network tokens, allowing merchants to use credentials that stay updated when cards expire or are replaced. Network tokens can increase authorization by 2-4% compared to traditional methods, while improving customer experience and reducing revenue loss.

**Track payment identity**
Token Vault generates a card-level fingerprint that allows teams to recognize the same card across accounts without storing sensitive card data. This helps identify returning customers, detect fraud patterns, and improve security.

**Simplify digital wallet tokens**
Payrails provides certified, processor-agnostic storage and decryption for Apple Pay and Google Pay credentials, allowing merchants to manage digital wallet tokens alongside card credentials in the same vault.

## Frequently asked questions

**What is a token vault?**
A token vault securely stores payment credentials such as cards, network tokens, and digital wallet data. Sensitive card numbers are replaced with tokens so merchants can process payments without storing raw payment data.

**What is an agnostic token vault?**
An agnostic token vault stores payment credentials independently from any payment processor. Merchants can send the same stored credential to multiple PSPs instead of being locked into one provider's vault.

**Why do merchants use a token vault?**
Merchants use token vaults to securely store payment credentials, reduce PCI scope, and reuse stored cards for recurring payments or future transactions without exposing sensitive card data.

**How does a token vault reduce PCI scope?**
A token vault handles the encryption, tokenization, and secure storage of card data. Merchants avoid storing raw card numbers in their own systems, which can reduce PCI compliance requirements.

**How does a token vault prevent PSP lock-in?**
When cards are stored in a PSP vault, moving to another provider requires token migration. An independent token vault stores credentials outside processors so merchants can route payments to different PSPs.

**What is card fingerprinting in a token vault?**
Card fingerprinting creates a persistent identifier for a payment card without storing sensitive data. It helps teams recognize the same card across accounts, detect fraud patterns, or track returning customers.

**How long does it take to implement a token vault?**
Token vault implementation usually takes days or weeks depending on checkout complexity. Merchants integrate SDKs or APIs to securely collect and store payment credentials without building their own vault infrastructure.

# Payments › Network Tokenization
Source: https://www.payrails.com/network-tokens
Last updated: 2026-10-06

> Network tokenization with one integration: replace card numbers with network tokens across providers, keep credentials current, and lift authorization rates.

## Unlock higher authorization rates
Replace card numbers with network tokens and secure payment flows. Manage tokens across different providers with one integration, and keep all credentials up to date.

## Boost payment performance with network tokens
Stored card details expire or are replaced over time, leading to failed payments and lost revenue. Payrails integrates tokenization without relying on individual PSP implementations.

**Manage network tokens via one integration**
Payrails can request and provision Visa, Mastercard, American Express, JCB, and Diners Club network tokens without building separate integrations with card networks or PSPs. Tokens are created and stored inside your existing payment and checkout flows – no extra integration work.

**Automatically keep credentials up to date**
Network tokens are maintained by card networks and updated when cards expire or are replaced. This reduces failed payments caused by outdated credentials and maintains recurring flows.

**Use tokens across providers without lock-in**
Network tokens can be used across multiple PSPs, allowing routing without being tied to a single token vault. This supports flexible payment setups and consistent performance across providers.

## Frequently asked questions

**Can network tokens be used across multiple PSPs?**
Yes. With Payrails, network tokens can be used across multiple payment providers (PSPs) instead of being tied to a single processor.

**How are network tokens provisioned?**
Network tokens can be requested and provisioned through Payrails as part of the payment or storage flow, without requiring direct integrations with card networks.

**How long does it take to implement network tokenization?**
Implementation depends on the payment setup, but Payrails enables token provisioning and usage through existing integrations, reducing the need for additional development work.

# Payments › 3DS Authentication
Source: https://www.payrails.com/3ds
Last updated: 2026-10-19

> 3D Secure (3DS) prevents fraud but can add checkout friction. Payrails applies 3DS selectively to help you stay SCA-compliant while keeping checkout smooth.

## Reduce friction, minimize risk with authentication
3DS prevents fraud and boosts security, but it can also lead to drop-off. Payrails applies authentication selectively so you can protect transactions and stay SCA-compliant while maintaining a smooth checkout experience.

## Get authentication right on every transaction
3DS is often applied too broadly, creating unnecessary friction, or too narrowly, increasing risk and declines. Payrails integrates authentication into the payment flow so it can be applied dynamically, and measured, to improve outcomes based on real performance, not assumptions.

**Apply 3DS dynamically**
Most 3DS implementations rely on fixed logic or default PSP behavior. Payrails applies authentication dynamically based on transaction context, risk signals, and regional requirements — reducing unnecessary challenges while staying SCA-compliant across markets.

**Recover payments with step-up authentication**
When issuers require authentication (for example due to SCA), Payrails can trigger 3DS during a retry flow. This "step-up" approach recovers transactions that would otherwise be declined.

**PSP-agnostic 3DS strategy**
Payrails' provider-agnostic platform enables one unified 3DS strategy across multiple PSPs — avoiding inconsistencies between providers and giving you control over when and how 3DS applies in every market.

## Frequently asked questions

**Can 3DS be used across multiple PSPs?**
Yes. Payrails allows merchants to apply a consistent 3DS strategy across multiple payment providers, rather than relying on each PSP's individual implementation.

**How long does it take to implement 3DS?**
Implementation typically depends on the payment setup and integration complexity. With Payrails, 3DS can be configured within existing payment workflows without building custom authentication logic.

# Payments › Payment Links
Source: https://www.payrails.com/payment-links
Last updated: 2026-10-19

> Create branded payment links in seconds with Payrails. PCI-compliant, API-driven, with native partial payments, refund handling, and full reconciliation

## Get paid in seconds anywhere, with a single link
Collect payments with PCI-compliant payment links. Give your customers a flexible and personalized way to pay, activated in seconds via API. Use the same link for multiple payments.

## One link, multiple payments
Payment Links runs through the full Payrails platform. Each link comes with built-in 3DS security along with automatic refund and chargeback handling, giving you full control over every transaction.

**New payment links, live in seconds**
Generate a link via API, share it with your customers via multiple channels and get paid instantly, in any currency.

**Tailored to your brand**
Bring your logo, colors, and identity to a fully hosted checkout page that feels like home. A seamless brand experience for your customers from start to finish.

**Customers pay their way, you get paid in full**
Let customers pay in full, partially, or over time. Each payment can be tracked in real time, the link stays live until the balance clears, and closes automatically when settled.

**Your payment, your rules**
Set expiry dates, select payment methods, block overpayments, and map every transaction directly back to your systems. Your money always lands exactly where it should.

## Frequently asked questions

**What is a Payment Link?**
A Payment Link is a secure, shareable URL that takes customers to a hosted payment page. Merchants generate links via a single API call and can share them through any channel (e.g., email, WhatsApp, SMS, invoices, or printed QR codes), without building any front-end infrastructure.

**What payment scenarios are Payment Links designed for?**
Payment Links is built for situations where a standard checkout flow doesn't apply: call center payments, offline sales, B2B invoicing, booking changes, and balance adjustments. Any time your team needs to collect a payment outside your main product flow, a Payment Link is the secure alternative to manual workarounds.

**Do customers need an account to pay via Payment Links?**
No. Links are stateless and work directly in the browser. Customers don't need to download an app, create an account, or log in.

**Does Payrails support partial payments through Payment Links?**
Yes. Payment Links natively supports paying down a balance over time. The system tracks the remaining balance, keeps the link active across payments, and closes it automatically once the total is settled.

**What happens if a customer is accidentally overcharged?**
Overpayments are prevented at the database level. Customers can never pay more than the remaining amount owed. If multiple people access the same link simultaneously, only one payment can be processed at a time.

**How do refunds work with Payment Links?**
Partial refunds are supported on individual payments within a link. If a refund creates a remaining balance, the link can automatically reopen so the customer can pay again.

**How does reconciliation work?**
You receive webhook notifications for every payment lifecycle event (capture, refund, and more) along with payer data and remaining balance updates. You can pass your own reference IDs (order IDs, unit numbers, internal references) with each link to map payments directly back to your systems and ERPs.

**Is there a lot of engineering work involved?**
Minimal. You generate a link via a simple API call with no SDK or front-end build needed. Your engineering team doesn't need to build or maintain a payment page.

# Finance & Data › Unified Analytics
Source: https://www.payrails.com/analytics
Last updated: 2026-10-19

> Unified payment analytics across every PSP, market, and payment method. AI-powered tools to analyze performance, diagnose failures, and make better decisions.

## Optimization starts with unified data
Consolidate payment data across every PSP, market and payment method into one unified interface. Payrails centralizes payment data and provides AI-powered tools to analyze performance, diagnose failures, and make better operational decisions.

## Unify all of your payment data with Payrails
Enterprise merchants process millions of transactions per day – yet most payment data lives in silos. Payrails gives merchants a single command center to track and optimize authorization rates, 3DS performance, network token impact, and other critical payment metrics.

**Ask AI anything about your payment data**
Our analytics assistant lets payment teams query unified data and get instant, visualized answers across every connected PSP. Ask in plain language and act on real-time insights.

**Ready-made reporting dashboards**
Unified dashboards reduce the need to manually combine data across teams and systems. Payrails provides a no-code reporting environment where teams can access insights without building their own analytics pipelines.

**30+ integrations in one source of truth**
Centralize payment data across providers, markets, and methods, creating a unified view of performance. With 30+ payment integrations, teams can analyze activity across their entire stack from a single dashboard.

**Uncover patterns, boost performance**
Diagnose why authorizations dip or succeed with issuer-level and PSP-level data. Customizable reports track metrics like authorization and recovery rates across markets and payment methods.

## Frequently asked questions

**What does unified analytics mean?**
Unified analytics consolidates transaction data across PSPs, regions, and payment methods into one dataset. Teams can analyze payment performance without combining reports from multiple providers.

**Can Unified Analytics work with multiple PSPs?**
Yes. Unified Analytics aggregates data from multiple payment providers so teams can analyze performance across their entire payment stack.

**Who uses unified analytics?**
Unified analytics is used by finance teams, payment operations teams, and product teams to understand payment performance, track costs, and improve transaction success rates.

**How long does implementation take?**
Implementation depends on the number of PSP integrations required. Once connected, transaction data flows into unified dashboards that teams can use immediately.

**Do I need Payrails orchestration to use Unified Analytics?**
No. As a part of Payrails' modular platform, Unified Analytics can ingest transaction data from existing PSPs and provide reporting without requiring the use of other Payrails payment modules.

# Finance & Data › Chargebacks
Source: https://www.payrails.com/chargebacks
Last updated: 2026-10-06

> AI-powered chargeback management across every PSP. Pull evidence automatically, defend disputes in one workflow, and track win rates by reason code and issuer.

## Win more disputes, automatically
Manage chargebacks across all PSPs in one place. Centralize dispute data, automate evidence workflows, and respond faster with AI-native chargeback defense.

## Chargeback management, powered by AI
Chargebacks protect consumers, but for merchants the process is a maze of manual data gathering and extensive operational effort. Payrails uses AI-assisted workflows so that teams can save time and win more disputes.

**Unified data**
Payrails enriches chargebacks with the transaction and order data already available in the platform. Teams can immediately see relevant payment details, customer information, and history without switching systems.

**AI-assisted workflows**
Reduce manual effort and win more chargebacks. Payrails handles the full process, including evidence collection, generating the defense document, customer communication, subscription actions, refunds, and other operational steps.

**More wins, lower costs**
Pay a flat fee for each case handled, not a percentage of what's recovered. Avoid paying additional fees for disputes you would have won independently with predictable pricing.

**Defend the most important cases**
Recommendation logic helps teams decide how each dispute should be handled. Payrails suggests what evidence is needed to increase win probability, so your team decides which cases should be challenged.

## Frequently asked questions

**Can Payrails manage disputes across multiple PSPs?**
Yes. Payrails Chargeback Management aggregates dispute data from multiple payment providers so teams can manage disputes across their entire payment stack.

**Do I need to process payments through Payrails to use it?**
No. Chargeback Management can connect to PSPs as data sources, allowing merchants to manage disputes across their existing payment infrastructure.

**How long does it take to implement chargeback management?**
Implementation usually takes days or weeks depending on the number of PSPs connected. Teams typically integrate dispute feeds and configure workflows to match their internal processes.

# Finance & Data › Reconciliation
Source: https://www.payrails.com/reconciliation
Last updated: 2026-10-06

> Automate reconciliation across orders, payments, and settlements. Connect multiple PSPs, match transactions with AI, and reduce mismatches by up to 99%.

## Save time, reduce mismatches
Automate reconciliation across orders, payments, settlements, and accounting systems. Using AI-native matching, Payrails connects to PSPs and finance tools to cut closing time and reduce mismatches by up to 99%.

## Take the pain away from reconciliation
Consolidate payment data, automate transaction reconciliation, and investigate discrepancies without relying on spreadsheets or siloed PSP data. Let your finance team have more time addressing real findings.

**Unify and standardize data**
Payrails unifies reconciliation data from multiple PSPs, financial systems through APIs, file uploads and data feeds. Settlement reports are collected automatically. Then, data gets transformed using a flexible interface, avoiding repetitive, time-consuming and error prone tasks.

**Model real payment flows**
Solve the complexity of real operations lifecycle, including retries, partial captures, refunds, chargebacks, deferred settlement, and multi-currency transactions.

**Automate matching at scale**
Orders, payments, and settlement records are matched using LLM-powered configurable rules. Reconciliation runs on recurring schedules, automatically pushing reconciled outputs to ERP systems and significantly reducing manual workload.

**Built-in discrepancy detection**
Payrails reconciliation agent identifies the mismatched values and surfaces them for review, using structured categories such as status differences, duplicate transactions, FX variances, or settlement timing issues.

**Audit-ready collaboration**
Investigate unreconciled transactions and update their statuses individually or in bulk. Add comments and context directly to transactions, ensuring full traceability within your team and making audits and reviews straightforward.

## Frequently asked questions

**Can Payrails Reconciliation work with multiple PSPs?**
Yes. Payrails connects to multiple PSPs and financial systems and reconciles transactions across all providers in one place.

**Do I need to process payments through Payrails to use it?**
No. Payrails Reconciliation can connect directly to PSPs and financial systems as data sources, allowing teams to automate reconciliation across their existing payment stack.

**How long does reconciliation implementation take?**
Implementation depends on the number of payment providers and data sources. Most teams connect their PSPs and financial systems through APIs or file imports and begin automating reconciliation within weeks.

# Finance & Data › Payouts
Source: https://www.payrails.com/payouts
Last updated: 2026-10-06

> Automate and manage payouts across providers, payment methods, and regions in one place, reducing operational complexity and improving payout reliability

## Optimize payouts across providers and markets
Payouts at enterprise scale are easily fragmented across providers, payment methods, and regions. The result? More friction and higher costs. Payrails helps merchants automate and manage payouts in one place, reducing operational complexity.

## Manage and automate payouts across your stack with Payrails
Bring payout execution into a single layer: enabling your team to automate workflows, support complex scenarios, and manage disbursements across providers and markets.

**Work across providers and regions**
Payrails connects to multiple providers and payment methods, so funds can be sent across markets without separate integrations. Easily add new markets, without new engineering work each time.

**Automate workflows**
Payouts can be triggered based on events such as order completion, settlement, or refunds. Payrails automates execution so funds are distributed consistently without manual intervention.

**Support complex scenarios**
Payrails supports multi-party payouts, such as marketplace use cases where funds are split across different recipients. Payout logic can be configured to reflect how funds should be allocated and routed.

## Frequently asked questions

**Can payouts be managed across multiple providers?**
Yes. Payrails allows merchants to manage payouts across multiple providers and payment methods through a single integration.

**How long does it take to implement payouts?**
Implementation depends on the number of providers and payout flows. Payrails connects to existing payout providers and allows workflows to be configured without building custom infrastructure.

# Finance & Data › Fee Monitoring
Source: https://www.payrails.com/fee-monitoring
Last updated: 2026-10-19

> Payment fee monitoring that turns settlement data from every provider into one cost breakdown, so you can audit fees, catch overcharges, and see true costs.

## Know exactly what you pay to accept payments
Payment processing fees are notoriously difficult to verify. Payrails collects settlement data across your providers into one clear cost breakdown, so you can audit charges, catch overcharges, and understand the true cost of every transaction.

## Monitor and reduce payment processing fees with Payrails
Settlement reports contain thousands of lines of scheme fees, interchange rates, and processor markups, each reported in different formats. Payrails consolidates and automates payment fee monitoring across providers, helping your team identify opportunities to lower transaction costs.

**Audit processor compliance**
Payrails automatically verifies that processor markups and pass-through costs align with negotiated contracts. Finance and operations teams gain a powerful tool for confirming that fees charged by PSPs and card networks match agreed-upon pricing structures.

**Normalize fragmented settlement data**
Settlement reports from different PSPs often arrive in inconsistent formats such as APIs, file exports, PDFs, or email attachments. Payrails converts these into a unified dataset, creating a reliable view of payment costs across the entire stack.

**Identify fee leakage**
Continuously analyze settlement data to detect overcharges and miscalculations across card types, regions, and business entities. This helps teams identify discrepancies early to stop small errors from eating into your margins.

**Benchmark PSP costs**
Payrails standardizes payment data so teams can compare the true effective processing rate across multiple providers, making it easier to evaluate PSP performance and understand where costs vary across markets.

## Frequently asked questions

**What is payment fee monitoring?**
Payment fee monitoring is the process of tracking and auditing the fees charged by payment processors and card networks. It helps businesses verify that the costs they pay match their contract terms.

**Can Fee Monitoring work with multiple PSPs?**
Yes. Fee Monitoring connects to multiple payment providers and aggregates settlement data so teams can analyze processing costs across their entire payment stack.

**Do I need to process payments through Payrails?**
No. Fee Monitoring can be used as a standalone module. It connects directly to PSP settlement feeds and works independently from payment processing.

**How does fee monitoring help finance teams?**
Automated fee monitoring replaces manual spreadsheet analysis and highlights discrepancies automatically. Finance teams gain a clearer view of payment costs and can detect errors earlier.

**How long does it take to implement fee monitoring?**
Implementation usually takes days or weeks depending on the number of PSPs connected. Settlement data is imported through APIs, SFTP feeds, or uploaded reports.

# Merchant of Record › Merchant of Record
Source: https://www.payrails.com/merchant-of-record
Last updated: 2026-10-22

> Merchant of record for AI, SaaS and app companies. We handle sales tax, invoicing and compliance. Move any market to your own entity without re-integrating.

## Sell internationally from day one, without lock‑in
Use Payrails Merchant of Record to expand to new markets in minutes. We take on sales tax, invoicing and compliance. Move markets to your own setup at any time and keep processing on the Payrails platform.

## Launch fast, see everything, graduate on your terms
Payrails Merchant of Record runs on the Payrails platform. It uses the same API and SDKs as Payrails Orchestration – enabling your MoR, your own direct acquiring, and every other Payrails module to work together seamlessly with one integration.

**Merchant of Record where you need it, your own setup everywhere else**
Use Payrails MoR where a market is slow or expensive to set up, and your own merchant IDs everywhere else, under one account. When you move a market to your own setup, your integration stays the same and your saved customers come with you.

**Sell without a local entity**
Payrails resells your digital product under our entities. We calculate sales tax, VAT and GST at checkout, handle the filings and payments to tax authorities, and send buyers compliant, co-branded receipts and invoices. Your product name appears next to ours on card statements, so buyers know what they paid for.

**Your checkout, with smart routing behind it**
Embed the MoR Drop-in in your app or website, or use a hosted payment page. Buyers pay in their local currency with local payment methods, and smart routing and automatic retries across 100+ integrations help more payments go through.

**See every insight behind every payment**
The Payrails portal shows your deep MoR insights on authorization rates, fraud and chargebacks. A dedicated MoR analytics dashboard tracks performance across markets and products, so you can see what's costing you revenue and fix it.

**Built by payments experts**
Payments are our core expertise. Every MoR payment runs on the same infrastructure our enterprise merchants rely on, backed by a team that works alongside yours to improve approval rates.

**Built for digital businesses**
AI, SaaS, mobile app and digital goods companies selling internationally, from AI products billed by usage to subscription apps outside the app stores, game purchases and online courses.

**Fraud and chargeback protection**
As the seller of record, Payrails tackles fraud with AI-powered fraud prevention and chargeback management. Dispute handling sits with us alongside tax and invoicing, so your team can stay focused on selling.

**Your customers stay yours**
Saved payment credentials live in Payrails Token Vault, independent of any single payment provider. When you move a market to your own setup, returning customers keep checking out without re-entering their card details.

## Frequently asked questions

**What is a merchant of record?**
A merchant of record (MoR) is the legal entity that sells a product to the end customer and appears as the seller on the receipt and card statement. It is responsible for collecting and paying sales tax, VAT and GST, issuing compliant invoices, meeting local regulations and handling chargebacks. Companies use a merchant of record to sell in new markets without first setting up a local entity or tax registrations.

**What is a hybrid merchant of record?**
A hybrid merchant of record lets you use MoR in some markets and your own merchant IDs and payment providers in others, on one platform. With Payrails MoR, both run under one account with the same API and SDKs, and you can switch a market between MoR and orchestration as your business changes. Payrails MoR is also modular, so in markets where you already have your own setup, you can still use individual capabilities such as orchestration and custom integrations.

**How is Payrails MoR different from other merchant of record providers?**
Many MoR setups are closed. Depending on the provider, you may get limited visibility into payment performance, payments may run through a single acquirer, and switching away can be expensive if not impossible. Payrails MoR is open and hybrid. You see your authorization, fraud and chargeback data, every payment runs on Payrails orchestration across 100+ integrations, and you can move any market to your own setup without re-integrating.

**Who is Payrails MoR built for?**
AI, SaaS, mobile app and digital goods companies that sell internationally, including AI products billed by usage, subscription apps selling outside the app stores, and digital game keys and gift cards. For subscriptions, you are able to connect your own billing engine. Payrails MoR supports digital products and services only.

**What does Payrails handle as seller of record?**
As the seller of record, Payrails takes on the obligations of selling to your buyers in the markets you choose. That covers accepting payments in local currencies and payment methods; calculating, collecting and remitting sales tax, VAT and GST, including filings; issuing compliant receipts and co-branded invoices; AI-powered fraud prevention and chargeback management; refunds; and payouts of your net revenue. Your brand appears alongside ours on the checkout, receipts, invoices and card statement, so buyers recognize what they bought. Payrails Merchant of Record is provided by Payrails Payments Limited.

**What happens when I move a market to my own entity?**
You move that market's volume from Payrails MoR to your own merchant IDs and keep processing on the Payrails platform. Your integration and checkout stay the same, and saved payment credentials in Payrails Token Vault move with you, so returning customers don't have to re-enter their card details. Payrails stays responsible for tax on everything sold under Payrails MoR, and sales made through your own setup after the move are your tax obligation.

**How do I get started with Payrails MoR?**
Payrails MoR is available now. Onboarding covers business verification (KYB), approval of your product catalog, and integration of the Payrails MoR Drop-in or a hosted payment page. Existing Payrails customers can add MoR in a new workspace alongside their current setup. Book a demo and we'll show you how it works.

# Solutions › Agentic Commerce
Source: https://www.payrails.com/use-cases/agentic-commerce
Last updated: 2026-10-06

> AI agents are becoming a new path to purchase. Keep payment credentials portable, route every transaction, and automate the operations behind the channel.

## Be ready for agentic commerce
AI agents are becoming a new path to purchase. The standards will evolve, but the fundamentals of getting paid won't. Payrails keeps the payments behind your checkout ready for whatever comes next.

## Build for the channel, not the protocol
Agentic commerce is still taking shape. You don't need to predict which standard or platform will lead it. Build a payment layer that can adapt: keep credentials independent, optimize every transaction across your provider stack, and automate the work behind the scenes.

**Own your credentials. Keep your options open.**
New checkout surfaces shouldn't lock your payment strategy to one provider, or one market. Payrails Token Vault stores credentials independently of your PSPs, so the same payment data moves with you across providers, borders and whatever agentic channels arrive. Network tokens keep those cards current as issuers reissue them.
- Import the credentials you already hold from your current PSP vault
- Switch or add providers later without moving them again
- Keep card credentials current with network tokenization

**Make every payment attempt count**
When an agent pays, there may be no customer at the checkout to try another card. Payrails Orchestration routes each transaction to the provider most likely to approve it, retries the declines worth retrying, and fails over when a provider degrades.
- Route by BIN, country, issuer, scheme, card type, and more
- Recover soft declines with intelligent retry logic
- Reroute transactions when provider performance degrades

**Put AI to work behind the checkout**
Agentic commerce shouldn't mean more operational work for your team. Payrails brings AI into the payment workflows behind every transaction, helping teams investigate performance, reconcile payments, manage disputes, and uncover fee anomalies across their provider stack.
- Ask questions across your unified payment data
- Automate reconciliation, dispute, and fee-monitoring workflows
- Scale a new commerce channel without scaling manual operations

## Frequently asked questions

**Who is liable when an agent buys something the cardholder disputes?**
Scheme rules for agent disputes are still being written. Defending the case well is what doesn't change. Payrails Chargebacks centralizes disputes and builds the evidence file.

# Solutions › Increase Checkout Conversions
Source: https://www.payrails.com/use-cases/checkout-conversions
Last updated: 2026-10-19

> A declined payment is a lost sale, even when another provider would have approved it. Payrails finds the best path and stores cards for one-tap repeat checkout.

## Increase checkout conversions with smarter payments
A customer taps pay, the transaction declines, and the sale is gone even though the same payment would have cleared through another provider. Payrails finds the best path for each transaction, and reuses stored credentials so returning customers check out in one tap.

## Your checkout's secret weapon
The fastest way to grow revenue? Converting more of the customers you already have. Approval rates, checkout friction, and provider performance are some of the lowest-hanging fruit for lifting conversion. Payrails helps you route smarter, reduce friction, and recover failed payments across the entire checkout.

**Increase approval rates through intelligent routing**
A customer reaches checkout, enters their details, and hits pay. Job done? Not quite. If the transaction is declined, that conversion is lost – even when the payment could have succeeded elsewhere. Payrails Orchestration sends each transaction through the provider most likely to approve it, and retries soft declines before the customer gives up.
- Route transactions to the best-performing provider per issuer, BIN, or region
- Recover soft declines with retry logic before the customer drops off
- Test and scale routing strategies that improve approval rates

**Boost checkout conversion with faster repeat payments**
Asking customers to re-enter card details, or letting a failed retry interrupt them, is friction that costs conversions. Payrails Token Vault stores and reuses credentials securely, so returning customers pay in one tap and their cards stay current as networks reissue them.
- Enable one-click and repeat payments without re-entering details
- Use network tokens to keep card details updated and reduce failed payments
- Retry failed payments across providers using the same credentials

**Identify why customers drop off at checkout (and how to fix it)**
When you cannot see issuer responses, provider performance, or where transactions fail, improving conversion is guesswork.
Payrails Unified Analytics shows what is happening across every payment flow, so you can find the real causes of failed checkouts and determine how to fix them.
- Understand why payments fail with issuer- and PSP-level insights
- Compare approval rates across providers, regions, and payment methods
- Track performance and identify where conversion drops

# Solutions › Reduce Payment Costs
Source: https://www.payrails.com/use-cases/payment-processing-costs
Last updated: 2026-10-19

> Find where you overpay on payments, and fix it. Intelligent routing, provider-agnostic tokenization, and agentic fee monitoring from Payrails.

## Reduce payment costs and stay in control
Identify where your business is spending too much money on payments — and fix it. With intelligent routing, provider-agnostic tokenization and agentic fee monitoring, Payrails puts your team back in control.

## Want to save your business money?
Hidden fees, sub-optimal routing, and provider markups are some of the lowest-hanging fruit for reducing unnecessary operational expenses. Payrails helps your team to lower costs across the entire payment journey.

**Reduce costs by routing to the lowest-cost path**
Every transaction has multiple ways to be processed. Without control over routing, payments are often sent through higher-cost providers by default. Payrails Orchestration lets you decide how each payment is routed, so you can prioritize cost efficiency without sacrificing performance.
- Route transactions based on card type, region, or provider fees
- Shift volume to lower-cost providers with AI-supported workflows
- Test and apply cost-saving routing strategies with confidence

**Avoid unnecessary fees by staying flexible**
When it comes to handling sensitive payment data, vendor lock-in drives up costs and compromises your ability to negotiate better rates. Payrails Token Vault gives you full control over your payment credentials, so you can move between providers without migrating data.
- Store and reuse payment credentials independently of any PSP
- Switch or rebalance providers without costly token migrations
- Enable flexible routing across your entire payment stack

**Identify where you're overpaying and take action**
Fragmented settlement reports make it difficult to verify most payment fees, leading to overcharges that frequently go unnoticed. Payrails Fee Monitoring Agent gives you a clear view of what you are actually paying and highlights where costs do not match expectations.
- Break down fees into interchange, scheme fees, and processor markups
- Detect overcharges and fee leakage with the help of AI
- Compare effective costs across providers and regions

# Solutions › Reduce Subscription Churn
Source: https://www.payrails.com/use-cases/subscription-businesses
Last updated: 2026-10-19

> Expired cards and soft declines turn paying customers into churn. Payrails retries failed renewals, keeps credentials current, and routes to the best provider.

## Increase revenue by reducing subscription churn
Expired cards, soft declines, and one provider's blind spots quietly turn paying customers into churn. Payrails recovers failed renewals with retries timed to issuer behavior, keeps card credentials current with network tokens, and routes each subscription payment to the provider most likely to approve it.

## Keep the revenue you've already won
Every renewal is revenue you already earned, and a failed payment is the fastest way to lose it. The good news? Most of these failures are recoverable. Payrails works across providers to help subscription merchants retry payments, keep credentials alive, and win back disputed charges.

**Recover failed subscription payments before they churn**
A subscription fails, and the customer never comes back. Many of these declines are avoidable, but without the right setup, they result in lost revenue. Payrails Orchestration helps you recover failed payments by retrying transactions and routing them through the provider most likely to approve them.
- Automatically retry failed payments based on issuer behavior and timing
- Route renewals to the best-performing provider per region or card type
- Recover soft declines before subscriptions are canceled

**Keep payments working when card details change**
Cards expire, get replaced, or are updated by the issuer. When this happens, recurring transactions fail, even if the customer is still active. Payrails Token Vault keeps card credentials usable over time, so subscriptions continue without interruption.
- Store and reuse payment credentials securely across providers
- Use network tokens to automatically update card details
- Retry failed payments across providers using the same credentials

**Recover more revenue from chargeback disputes**
Subscription businesses often deal with chargebacks driven by failed payments, unclear billing, or customer disputes. Payrails Chargebacks pulls dispute cases from every PSP into one place, builds the evidence file with AI in seconds, and tracks what actually wins – so your team recovers more revenue with far less manual work.
- Centralize disputes across PSPs with full subscription and payment context
- Automate evidence collection and respond to disputes more consistently
- Track dispute outcomes and identify patterns that lead to churn

# Solutions › Launch New Markets
Source: https://www.payrails.com/use-cases/go-to-market
Last updated: 2026-10-19

> New markets mean new PSPs, unfamiliar issuers, and fresh compliance work. Payrails keeps payment performance and cost under control as you expand.

## Launch new markets faster with local payments
Launching new markets means juggling new PSPs, unfamiliar issuer behavior, and fresh compliance demands as business becomes more complex. Payrails helps you stay in control of performance and cost as you scale – transforming payments from an operational bottleneck into a lever for optimizing growth.

## Grow with confidence
Add customers, not complexity. Payrails sits alongside the providers you already use and organizes what they do not: routing each transaction to whoever performs best locally, showing you what is working market-by-market, and helping you boost approvals while minimizing cost.

**Adapt payment routing to how each market behaves**
A provider that performs in one market might stumble in the next. Issuer behavior, local regulations, and how customers prefer to pay all shift across borders, so the payment processing that worked until now quietly drags down approval rates the moment you expand. Payrails Orchestration lets you adjust how payments are routed per market, so each transaction is routed through the provider most likely to succeed.
- Route transactions based on country, issuer, or payment method
- Recover failed payments with retries tailored to local behavior
- Test different providers and routing strategies without risk

**What’s hiding in your payment data?**
For multi-PSP merchants, payment performance data gradually becomes frustratingly scattered across provider dashboards that never quite agree.
Payrails Unified Analytics consolidates all of your payment data into one AI-native view, so you can operate from a single source of truth when it comes to what’s working.
- Compare approval rates and costs across providers and regions
- Identify failure patterns by issuer, method, or geography
- Track performance as you launch and scale in new markets

**Avoid hidden costs when entering new markets**
Different providers, pricing models, and FX fees make it difficult to know what you're actually paying. Payrails Fee Monitoring gives you a clear view of your costs across markets, so you can identify inefficiencies early and avoid overpaying as you scale.
- Break down costs by provider, region, payment method, and FX fees
- Identify fee differences, FX markups, and overcharges across markets
- Compare effective rates to choose the most cost-efficient setup

# Solutions › Automate Financial Processes
Source: https://www.payrails.com/use-cases/financial-automations
Last updated: 2026-10-19

> Multi-PSP setups bury finance teams in manual work. Payrails automates reconciliation, unifies reporting, and prepares chargeback cases in seconds.

## Automate financial operations end-to-end
Multi-PSP setups are full of manual workflows that multiply friction as businesses scale. With Payrails, you can automate reconciliation, unify reporting, prepare chargeback cases in seconds, and reduce operational workload across the entire payment journey.

## Take back your time
Finance and operations teams lose hours to manual reconciliation, scattered reporting, chargeback disputes, and additional admin. Payrails automates the repetitive tasks and puts AI to work on the rest – so your team can spend less time preparing data and more time acting on it.

**Automate reconciliation and stop chasing mismatches**
Finance teams spend as much as a third of each month reconciling transactions across PSPs. Data doesn't match, formats differ, and every discrepancy requires a manual investigation. Payrails Reconciliation automates matching across your entire flow, freeing your finance team to focus only on real issues instead of manual discovery.
- Automatically match transactions across orders, payments, and settlements
- Flag and categorize mismatches so teams can resolve issues faster
- Maintain a clear audit trail for every transaction

**Make the most of your payment data**
Payment data is some of the most valuable information in your business. But when you’re running multiple PSPs, most of it lives in silos.
Payrails Unified Analytics automatically ingests, standardizes, and consolidates payment data from every PSP, region, and payment method. Reporting builds itself, so your numbers stay current, consistent, and ready to act on the moment you need them.
- Consolidate data across PSPs, regions, and payment methods
- Access ready-to-use dashboards without manual data preparation
- Align teams on the same financial metrics

**Automate chargeback handling and recover lost revenue**
Chargebacks in multi-PSP setups are one of the most challenging topics for merchants to manage at scale. Scattered data and evidence lead to missed deadlines, poor visibility, and hours of time wasted fighting the wrong cases. Payrails Chargebacks consolidates chargebacks across PSPs and brings them into one AI-powered platform, helping your team to save time and win more disputes.
- Centralize dispute cases across PSPs with full payment and order context
- Automate evidence collection and prepare dispute files in seconds with AI
- Track outcomes and improve how disputes are handled over time

# Industries › Hospitality
Source: https://www.payrails.com/industries/hospitality
Last updated: 2026-10-06

> Hospitality and travel payment infrastructure for OTAs, booking engines, PMSs, and hotels: portable tokens, AI-assisted chargebacks, and fee monitoring.

## Powering the payments behind every trip
Payrails helps online travel agencies, booking engines, property management systems, and hotel groups to improve performance across the entire payment journey. Unlock profitability through portable tokens, AI-assisted chargeback management, fee monitoring, and smooth payment orchestration.

## Legacy payments are holding hospitality and travel platforms back
Payments sit behind some of the most critical workflows in travel: guaranteeing reservations, managing changes and cancellations, storing sensitive card data, and handling complex reconciliation requirements. All while ensuring a seamless experience for the end customer.

**Fragmented infrastructure, no single view**
Multiple PSPs, legacy token vaults, and disconnected systems mean teams spend time reconciling data instead of improving outcomes. Modern hospitality platforms struggle to form a unified picture of payment performance across properties, channels, and regions.

**Rising costs you cannot verify or challenge**
Payment fees are one of the biggest operating expenses in hospitality, but most teams cannot benchmark what they are paying or compare costs across providers and markets.

**Guest payment flows that break at scale**
Pre-authorizations, incremental charges, deposits, installments, and cancellations all require flexible payment logic that most off-the-shelf setups cannot handle cleanly across PMS, CRS, and booking engines.

## Unlock smoother global travel payments
AI-powered infrastructure designed for the payment flows hotels, property management systems, OTAs, and travel platforms deal with every day.

**PSP-agnostic token vault**
Store and route tokens across any PSP. Add or switch providers without migrating card data. Support pre-authorizations, incremental charges, and complex cancellation flows out of the box.

**Configurable routing and retries**
Route by issuer, country, method, amount, or cost. Run controlled experiments with new PSPs. Recover soft declines during traveler checkout with configurable retry logic and fallback providers.

**Cost and performance optimization agent**
Translate cryptic settlement line items into plain-language cost categories. Benchmark effective rates across PSPs, payment methods, regions, and entities for hospitality payments.

**Unified chargeback management**
Bring every dispute into one workflow, regardless of PSP. Pull transaction logs and booking data automatically. Track win/loss rates by reason code, issuer, region, and PSP.

**Decoupled authentication**
Reuse 3DS authentication across multiple authorizations to streamline post-booking upgrades and hotel upsells.

## Frequently asked questions

**What is Payrails, and how does it help hospitality businesses?**
Payrails is a modular payments infrastructure platform. For hospitality, our PSP-agnostic tokenization, orchestration, fee monitoring, and chargeback management modules are designed to reduce cost, improve authorization rates, and simplify operations across multiple providers and markets.

# Industries › Delivery
Source: https://www.payrails.com/industries/delivery
Last updated: 2026-10-06

> Payment infrastructure for delivery platforms: handle order changes, conditional payments, and multi-party payouts across markets from a single layer.

## Payments that adapt with your orders
Delivery transactions don't follow a straight line. Payrails is the only payment infrastructure that moves with them, handling order changes, conditional payments, and multi-party payouts across markets from a single layer.

## For delivery payments, checkout is just the beginning
Transactions evolve: orders change, payment methods combine, and funds move between multiple parties. Traditional payment infrastructure wasn't built for delivery.

**Order amounts change after checkout**
Items may be out of stock, substituted, or adjusted at fulfillment. Delivery platforms must update the final transaction amount in real time without disrupting the customer experience.

**A single order triggers payments in every direction**
Meal vouchers, loyalty credits, and corporate allowances combine at checkout, each with their own eligibility rules and restrictions. On the other side, restaurants, couriers, and partners are all waiting to be paid at once, through different providers.

**Every vertical runs on different payment logic**
Food, grocery, and pharmacy orders don't share the same rules. Multi-vertical platforms end up rebuilding payment logic for every new vertical they launch, slowing expansion down.

## The ultimate infrastructure for delivery platforms
Payrails is built for the full complexity of delivery: conditional payment logic, multi-party payouts, and multi-vertical operations. All from a single infrastructure that scales with your business, without rebuilding your stack.

**Orchestrate across every provider and market**
Route transactions based on region, payment method, or provider performance. Add local payment methods without rebuilding logic from scratch every time you enter a new market.

**Pay restaurants, couriers and partners at once**
Manage the full payout lifecycle across restaurants, couriers, and partners, all from the same infrastructure that processes customer payments.

**Reconcile every payment source in one place**
Delivery payments include vouchers, credits, cards, refunds, and partner payouts, often in a single order. Payrails consolidates all of it, giving finance teams a complete audit trail across all payment types and payout.

**See exactly where payments fail and why**
Track authorization rates, failure patterns, and provider performance across every market and payment method. Payrails Unified Analytics gives delivery platforms the visibility to act before issues arise.

# Industries › Retail
Source: https://www.payrails.com/industries/retail
Last updated: 2026-10-06

> Payment infrastructure for retail: unify online and in-store payments to improve conversion and give teams a single view of performance across channels.

## Seamless payment experience across every channel
Customers move between online and in-store shopping without thinking about channels. Payrails helps retailers unify payment infrastructure across both, improving conversion and giving teams a single view of performance.

## Retail payments are split across channels
Most retailers operate separate payment infrastructures for e-commerce and physical stores. These systems rarely connect, which limits optimization and fragments data.

**Online and IRL payments rarely connect**
Retail payment stacks are often managed by different systems and teams across online and POS channels. This fragmentation prevents retailers from creating a unified financial view.

**Limited choice reduces conversion**
Customers expect flexible payment options at checkout. Gift cards, loyalty points, BNPL providers, and local payment methods all influence whether a purchase is completed or abandoned.

**Data is fragmented across providers**
When payments run through different PSPs, retailers struggle to consolidate transaction data. Without unified insights, optimizing authorization rates, costs, and performance becomes difficult.

## A unified approach to retail payments
Payrails connects online and in-store transactions through a single infrastructure layer, giving retailers the flexibility to manage payment methods, providers, and data across every market and channel.

**Connect online and IRL customer payments**
The Payrails Token Vault securely stores customer credentials across channels. By linking online and in-store payment profiles, retailers can deliver consistent checkout experiences, support loyalty programs, and enable seamless returns and purchases across channels.

**Understand performance across channels**
Payrails Unified Analytics consolidates payment data across online and POS transactions. Retail teams gain visibility into authorization rates, provider performance, and payment method usage across markets, helping identify opportunities to improve conversion and reduce costs.

**Route transactions across payment methods, providers and markets**
Payrails Orchestration allows retailers to route transactions across multiple PSPs based on geography, performance, or payment method. Support cards, Google Pay, Apple Pay, and local payment methods to optimize conversion and authorization.

# Industries › Mobility
Source: https://www.payrails.com/industries/mobility
Last updated: 2026-10-06

> Payment infrastructure for mobility platforms: dynamic pricing, high-frequency transactions, marketplace payouts, and local payment methods across providers.

## Payments designed for rides in motion
Your current payment stack was built for a shopping cart, not a moving vehicle. Manage dynamic pricing, high-frequency transactions, marketplace payouts, and localized payment methods across multiple providers from one infrastructure.

## Built for e-commerce, broken for mobility
Most payment infrastructure was built for a fixed price at checkout. Mobility platforms deal with fares that change mid-trip, payouts to multiple parties, and different payment methods across dozens of markets. That gap is where revenue gets lost.

**You can't charge what you don't know yet**
The final fare is often unknown when a trip starts. Route changes, tolls, usage time, and add-ons mean platforms must support authorizations and partial captures that traditional checkout systems struggle to handle.

**One trip, four financial obligations**
Many mobility platforms operate as marketplaces. Payments must be collected from riders, distributed to drivers or partners, and reconciled alongside tips, credits, and subscriptions.

**Every market has a different payment problem**
Mobility platforms expand city by city. Each new market brings its own preferred payment methods, local PSPs, and regulatory requirements. Teams that handle this through individual integrations spend more time managing payment infrastructure than improving it.

**Tokens go stale, rides get declined**
Mobility customers transact several times a week. Stored credentials must stay accurate through secure tokenization, network tokens and account updates, to avoid payment failures.

## Payment infrastructure that keeps up with mobility
From dynamic fare authorization to driver payouts, Payrails gives mobility platforms the infrastructure to configure, route, reconcile and scale, without PSP lock-in or rebuilding your stack every time you expand.

**Track performance across every provider and market**
Unify transaction and authorization data across PSPs to understand what's happening across markets. Identify payment failures, compare provider performance, and recover revenue you would otherwise miss.

**Payment logic that moves as fast as your trips**
Route transactions across multiple PSPs based on market, payment method, or performance. Configure workflows for dynamic pricing, incremental authorization, and merchant-initiated transactions, without writing custom code for every market you enter.

**Secure rider payments with tokenization**
Store credentials securely and keep them usable with network tokenization and account updater. Riders who use your platform multiple times a week pay without re-entering their details.

**Close the books without the chaos**
Trips include tips, credits, partial captures, subscriptions, and driver payouts. Reconcile every transaction type into one dashboard, so your finance team closes the books in hours, not days.

## Frequently asked questions

**How do mobility platforms reconcile payments, tips, and payouts?**
Mobility transactions often include tips, credits, partial captures, and payouts. Payrails brings every transaction type into one view, so finance teams can reconcile across providers without manually piecing together data from separate systems.

# Industries › Marketplaces
Source: https://www.payrails.com/industries/marketplaces
Last updated: 2026-10-06

> Marketplaces juggle buyer payments, seller payouts, split settlements, and KYC across markets. Run it on one infrastructure across multiple PSPs.

## Powering payments between buyers and sellers
Decouple seller onboarding from payment processing. Payrails gives marketplaces the flexibility to route funds across multiple PSPs, run compliant payouts, and reconcile transactions across every market from one platform.

## Complex money movement slows marketplace growth
Collecting payments from buyers and distributing funds to sellers introduces licensing requirements, compliance obligations, and higher operational costs.

**PSP lock-in limits flexibility**
When sellers are onboarded directly to an acquirer, switching PSPs means re-onboarding your entire seller base. You lose negotiating leverage, can't test alternative providers, and can't expand without rebuilding.

**Fees are eating your margins**
Most PSPs charge on GMV, not on what the marketplace earns. A 1% fee on €100 GMV when your take rate is 10% means you're effectively paying 10% of your own revenue to process payments.

**Every new market is a near-rebuild**
Expanding internationally means navigating local regulations and compliance while managing identity verification, currency conversion, and payouts across jurisdictions.

**Reconciliation becomes a full-time job**
Every transaction touches multiple flows: buyer payment, seller disbursement, platform commission, FX, and taxes. Without a unified layer, finance teams reconcile it all manually, increasing error rates.

## The agnostic orchestration and payout layer for marketplaces
Payrails separates payment processing from seller management, giving marketplaces the flexibility to operate across providers, partners, and markets from one platform.

**Connect once, route everywhere**
Payrails connects marketplaces to multiple PSPs through a single integration. Route transactions based on performance, cost, or geography, and negotiate better rates across providers.

**Stop paying GMV rates on marketplace revenue**
Benchmark fees across PSPs and payment methods, optimize per market, and ensure processing costs align with your revenue, increasing your margins.

**Reconcile without spreadsheets**
Payrails consolidates payments, FX, taxes, and revenue splits into a single reconciliation layer. One accurate view across every market, every provider, every flow.

**Switch PSPs without re-onboarding your seller base**
Integrate with licensed payout partners to handle KYC/KYB verification and seller disbursements independently of payment processing. Add providers, expand markets, and renegotiate contracts.

# Industries › SaaS
Source: https://www.payrails.com/industries/saas
Last updated: 2026-10-06

> Recurring SaaS revenue depends on reliable transactions. Payrails gives subscription teams control over how payments are processed, retried, and recovered.

## Payments that power subscription businesses
Subscription revenue depends on reliable, recurring transactions. Payrails gives SaaS teams full control over how payments are processed, retried, and recovered across every provider.

## Recurring revenue only works if payments actually go through
Billing cycles, failed payments, authentication requirements, and retry timing all influence whether revenue is successfully collected.

**Failed payments = involuntary churn**
Insufficient funds are one of the most common reasons subscription payments fail. Retrying immediately leads to repeated declines, higher processing costs, and lost customers.

**Billing platforms limit your payment options**
Many subscription tools bundle billing logic with payment processing. While convenient at first, it creates PSP lock-in, limiting your ability to optimize performance or expand coverage as you scale.

**Bad retries cost more than the revenue recovered**
Card schemes penalize excessive retry attempts with fees and restrictions. A poorly timed retry strategy actively creates new costs. Most SaaS teams don't know this is happening until they look at the bill.

**One wrong authentication breaks every charge that follows**
Subscription payments require correct authentication and network transaction IDs. If the first 3DS flow is handled incorrectly, future charges can fail or break scheme rules.

## The intelligent payment infrastructure for subscription businesses
Payrails sits between your billing platform and your PSPs, giving SaaS businesses control over how subscription payments are processed, authenticated, and retried across providers.

**Recover more, retry smarter**
Payrails Orchestration routes subscription transactions across multiple PSPs and replaces fixed retry schedules with intelligent timing, based on issuer signals, scheme notifications, and payment patterns.

**Own your tokens**
The Payrails Token Vault securely stores credentials outside of any single provider. Switch PSPs, add new payment methods, or expand internationally without migrating stored customer data or disrupting recurring billing.

**Handle authentication right from the start**
Payrails manages the initial 3DS authentication and links every subsequent merchant-initiated transaction back to that original payment across every PSP you route through.

## Frequently asked questions

**How does tokenization work for subscription payments?**
Tokenization replaces card data with secure tokens that can be stored and reused for future payments. For SaaS businesses the critical detail is portability: PSP-specific tokens only work within that PSP's system. An agnostic token vault keeps credentials portable across providers without requiring customers to re-enter payment details.

# Customer Stories
Source: https://www.payrails.com/customers
Last updated: 2026-10-17

See how leading companies use Payrails to scale payments, reduce costs, and automate operations, with real results from optimized payment infrastructure

# Customer Stories › PUMA boosts payment performance across LatAm with Payrails
Source: https://www.payrails.com/customers/puma
Last updated: 2026-10-17

Read how Puma cut time-to-market by 75% and freed 15,000 engineering hours with Payrails Orchestration and Unified Analytics.

Key results: 75% reduced time-to-market · 15k Engineering hours saved · No code changes in payment workflows
Products used: Orchestration, Unified Analytics, Reconciliation

**Unified operating system to run and optimize payments across fragmented local markets**
PUMA is one of the world's leading sports brands, with a presence in more than 120 countries and a global heritage spanning performance, lifestyle, and football. Latin America is one of its highest-priority growth regions, with operations across major markets like Brazil, Mexico, Chile, Argentina, and Colombia.

## Challenge
With a diverse array of payment methods, regulations, and customer preferences spread across nearly 20 different countries, doing business in LatAm means navigating a highly fragmented local payment landscape.

## Solution
PUMA selected Payrails as a payment infrastructure partner for the Latin American market, consolidating all payment operations into a single platform. Rather than maintaining individual connections to multiple providers across the region, PUMA could manage fraud prevention flows, installment schemes, BNPL solutions, and local wallets through one connection using Payrails Orchestration.

## Results
By consolidating payment operations with Payrails, PUMA significantly reduced the complexity of managing its payment infrastructure across LatAm.
- 15,000 engineering hours saved on integration maintenance: PUMA cut the operational overhead required to manage payment integrations across markets, freeing its engineering team from routine maintenance work.
- 75% faster time to live in new markets and projects: With Payrails handling the integration layer, PUMA could launch new payment projects and enter new markets faster, without rebuilding provider connections from scratch.
- Zero code changes needed to launch new payment methods: By reducing the need for a dedicated team to manage integrations, PUMA could direct more focus toward product development and platform improvements.

# Customer Stories › Payrails offers payments flexibility with agnostic token vault to Vinted
Source: https://www.payrails.com/customers/vinted
Last updated: 2026-10-17

Read how Vinted achieved 100% processor independence with one token vault and one integration, with no user disruption or added PCI-DSS overhead.

Key results: Unified API and UI for token management · 100% processor independence · Advanced BIN identification
Products used: Token vault, BIN Database, Web and APP SDKs

Vinted began with an ambitious vision: to make second-hand fashion the first choice worldwide. The company launched in Lithuania in 2008 and just ten years later became the country’s first unicorn.

## Challenge
Vinted had been using payment tokenization technology for some time already. To increase flexibility in payment processing, Vinted was interested in centralizing their payment tokens across all their integrated processors while maintaining their direct integrations with those PSPs. Essentially, they were looking for a PSP-agnostic payment token that could function across all of their PSP integrations.

## Solution
When Vinted partnered with Payrails, they received a customized solution to their specific tokenization challenges. Payrails developed a tailored plan involving the implementation of a Payrails’ agnostic token vault, large-scale token migration, and a unified API and UI for token management and advanced BIN identification.
- Agnostic token vault: Vinted integrated Payrails’ PSP-agnostic token vault.
- Token migration: In order to transition to a fully PSP-agnostic token system, Payrails supports the Vinted team in their large-scale token migration process.
- API and UI for token management: Payrails’ tokenization simplifies the payment process for Vinted by allowing them to manage various payment instruments without dealing directly with their customers’ sensitive payment information.

## Results
Thanks to Payrails’ advanced tokenization solution, Vinted was able to gain newfound flexibility and freedom with their integrations.
- 100% processor independence: Vinted gained complete independence in terms of their token storage, taking full control of their payment tokens and expanding their functionality to multiple PSPs.
- Commercial and technical flexibility: Vinted can now easily add new PSPs without complex token migrations and have received access to both agnostic and PSP tokens through a unified integration.
- Enriched BIN data: Leveraging Payrails’ BIN database, Vinted can optimize their payment acceptance by deciding which provider should process each payment based on details about the card network, card type, issuer, country, etc.

# Customer Stories › inDrive increases payment approval rates by 11% with Payrails platform
Source: https://www.payrails.com/customers/indrive
Last updated: 2026-10-17

Read how inDrive lifted card approval rates by 11%, cut time-to-market by 70%, and grew network-token revenue by 23%.

Key results: +11% uplift in payment approval rates · -70% less time-to-market · +23% revenue processed
Products used: PSP integration layer, Routing, APMs

inDrive started with one question: What if ride-hailing drivers and passengers had more freedom to shape their fares? The answer to that question is what led to the international ride-hailing app’s unique “real-time deals” model, which allows passengers to offer their own fares and drivers to accept, reject or make counter-offers.

## Challenge
**Achieving high local authorization rates**
inDrive’s rapid growth allowed them to quickly expand into several key markets. However, operating in many different regions all with unique conditions came with its own set of challenges, like integrating local payment service providers and ensuring that the checkout experience was localized for each market.

## Solution
**Enabling local rails with fast time to market**
By partnering with Payrails, inDrive was able to implement local processing solutions that increased payment authorization rates and reduced their time to market. Before coming up with a customized plan, Payrails took the time to 1) understand the user expectations across inDrive’s operating countries as well as to 2) familiarize themselves with local processing options and the available payment service providers.
- Introduce a Payment Service Provider (PSP)-agnostic integration layer to facilitate local payment processing: Given the global coverage of inDrive, connecting with local payment service providers is an essential strategy for their business, as local processing is more cost-efficient and better adept at addressing local requirements, thereby increasing chances of payment completion.
- Activate smart routing to ease the process of switching between PSPs: With a large number of rides being processed a day, it was critical for inDrive to process payments under the most favorable economic conditions and with as little downtime as possible.
- Increase alternative payment method coverage: Lastly, to meet local user expectations, Payrails helped inDrive to integrate local alternative payment methods via their unified API.

## Results
**Significant uplift in payment approval rates**
By approaching their challenges from multiple angles, inDrive made great strides in improving their overall payment performance. This positive impact resulted in increasing card payment approval rates by 11%.
- Increased card payment authorization rates by 11%: By setting up automatic payment routing according to factors like location and currency, inDrive was able to significantly enhance efficiency and performance, resulting in an 11% increase in payment authorization rates.
- Reduced time-to-market by 70%: By introducing the PSP-agnostic integration layer, inDrive reduced its time-to-market by 70% with each payment service provider.
- +23% revenue processed via network tokens: By enabling Network Tokens for selected Visa BINs in South Africa, inDrive significantly improved card-on-file payment performance.

# Customer Stories › Preply reduces payment costs by 30% with Payrails platform
Source: https://www.payrails.com/customers/preply
Last updated: 2026-10-17

Read how Preply reduced payment costs by 30%, recovered 30% of failed payments, and lowered failure rates by 25%.

Key results: 30% Payment cost reduction · 30% Recovery of select failed payments · 25% Decrease in failure rate
Products used: PSP integration layer, Agnostic token vault, Unified analytics

EdTech has undergone a remarkable transformation thanks to technology, providing individuals worldwide with unprecedented access to knowledge and education. Learning platform Preply has established their position at the top of this dynamic landscape by combining a network of over 50,000 tutors with AI-powered tools and a unique subscription payment model.

## Challenge
**Maximizing global Customer Lifetime Value (CLV) while minimizing costs**
Considering Preply’s international reach and need to accommodate both tutors and learners, they set their sights on two goals: Optimizing payments performance on a global scale and building seamless local checkout experiences in each market.

## Solution
**Increasing success rates with a unified integration layer and tokenization**
Preply partnered with Payrails to address all of these challenges and transform their payments into a powerful driver for business growth.
- Implement unified integration layer to remove friction of adding new PSPs: Preply implemented Payrails’ unified integration layer in order to tackle their biggest challenge: simplifying their payments infrastructure and making the addition of new payment processors and payment methods easy and efficient.
- Turn on dynamic routing and smart retries to increase payment success rates: To reduce payment-related costs and enhance checkout conversions, Preply integrated Payrails’ dynamic payment routing feature.
- Implement PSP-agnostic tokenization to increase subscription payment success: To make their recurring subscriptions as seamless as possible, Preply integrated the Payrails token vault.
- Integrate unified analytics and automated reconciliation to create more value: To further streamline their payment operations, Preply began using Payrails’ unified analytics tool, which provides advanced real-time data insights into payment performance across all active PSPs.

## Results
By tackling their challenges from multiple angles, Preply was able to make great strides in improving their overall payment performance.
- 30% payment cost reduction: By routing transactions to the most cost-effective option, Preply significantly reduced payment-related costs across markets.
- 30% recovery of select failed payments: Through strategic experimentation with retrying various rejection reasons, Preply identified the most effective retry scenarios, achieving a 30% recovery rate while maintaining an optimal cost structure.
- 25% decrease in failure rate: By selecting optimal integrations and implementing smart routing and smart retries, Preply successfully reduced payment failures.

# Customer Stories › Eneba improves global payment performance by 3.5% with Payrails
Source: https://www.payrails.com/customers/eneba
Last updated: 2026-10-17

Read how Eneba improved global payment performance by 3.5% and added 10,000+ successful transactions through smart routing and retries.

Key results: 3.5% improvement in overall capture performance · Fewer checkout interruptions and smoother cross-market payments · Tens of thousands of additional successful transactions
Products used: Token vault, Orchestration, Unified analytics

**Improving payment reliability, flexibility, and choice for more than 20 million users worldwide**
As a leading Europe-based digital gaming and entertainment ecosystem, Eneba is committed to delivering fast, secure, and frictionless experiences for more than 20 million users worldwide. With a rapidly expanding catalog of over 100,000 products across 130+ markets, Eneba continually invests in technologies that improve speed, security, and convenience at scale.

## Challenge
Every checkout experience matters, and managing transactions globally requires systems that can adapt to diverse payment methods, currencies, and compliance frameworks—all while maintaining a seamless user journey. As Eneba’s global footprint grows, ensuring flexibility and performance across complex payment flows is critical.

## Solution
**Orchestrating payments with intelligence and resilience**
Eneba worked closely with Payrails to integrate advanced orchestration while maintaining the hallmark simplicity the platform is known for—optimizing routing logic, broadening coverage, and increasing reliability across hundreds of thousands of transactions.
- Smarter Routing: Dynamic logic ensures each transaction is processed through the most efficient PSP, improving authorization consistency and supporting localized payment preferences.
- Instant Retry: Declined transactions are automatically re-routed to alternative PSPs, reducing friction and increasing successful captures without impacting the user journey.
- Advanced Pre-authorization: Upcoming binLookup functionality enables risk assessment before authorization—further strengthening security and reliability.

## Results
Within 90 days of implementation, Eneba achieved measurable improvements in global capture consistency and checkout reliability—optimizing payment success and removing friction for users worldwide.
- 3.5% improvement in overall capture performance.
- Fewer checkout interruptions and smoother cross-market payments.
- Tens of thousands of additional successful transactions, reinforcing Eneba’s reputation for seamless global experiences.
**About Eneba**
Founded in 2018, Eneba connects more than 20 million gamers across 130+ global markets with publishers and sellers worldwide. Learn more at eneba.com.

# Customer Stories › Teknasyon increases authorization rates for 250 million active customers by 6% with Payrails
Source: https://www.payrails.com/customers/teknasyon
Last updated: 2026-10-17

Read how Teknasyon increased authorization rates by 6%, shortened time-to-market by 75%, and reduced payment-related churn by 10%.

Key results: +6% uplift in payment authorization rate · -10% reduction in payment churn · -75% less time-to-market
Products used: PSP Integrations, Smart Routing, Fallback & Retry

Founded in 2013, Teknasyon is a tech powerhouse with operations spanning across the globe. The company's core expertise lies in developing mobile applications for an international user base. Over the years, Teknasyon has successfully launched a diverse range of top-ranking mobile apps across various categories, including productivity, entertainment, and personalization.

## Challenge
**Increasing authorization rates across several markets**
After experiencing rapid growth, Teknasyon faced the challenge of integrating new payment providers and launching new payment methods as it expanded into new markets. As the company handled a high volume of transactions daily, processing payments through local channels became even more important to achieve higher authorization rates.

## Solution
**Powerful multi-PSP payment setup with smart routing**
Teknasyon partnered with Payrails to significantly improve their payment infrastructure, which helped to increase payment authorization rates and broaden payment method coverage globally. This collaboration allowed Teknasyon to use Payrails' robust payment operating system and gain support from an experienced team of payment industry professionals.
- Introduce a unified integration layer to facilitate local processing: Teknasyon has 250 million monthly active users (MAU) in 196 countries, so integrating local payment service providers was a key aspect of their payment strategy.
- Deploy smart routing to streamline the process of switching between PSPs: Considering that Teknasyon processes over 5 million payments a month while still growing rapidly, it was critical for their business to accept payments under the most favorable conditions and with as little downtime as possible.
- Implement a fallback and retry mechanism to retry failed transactions: Teknasyon implemented a fallback and retry mechanism into their payments infrastructure.

## Results
By addressing their challenges from multiple angles, Teknasyon made great strides in improving its overall payment performance. This positive impact resulted in 6% higher payment authorization rates and reduced churn by 10%, significantly boosting their profitability.
- Streamlined engineering efforts and downstream integration: By introducing the PSP-agnostic integration layer, Teknasyon reduced its time-to-market by 75% with each payment service provider.
- Increased payment authorization rates by 6%: By setting up automatic payment routing according to factors like location and currency, Teknasyon was able to significantly enhance efficiency and performance, resulting in an 6% increase in payment authorization rates.
- Reduced payment-related churn by 10%: Integrating automatic payment retry resulted in a 10% decrease in payment-related churn. Additionally, this strategy ensured a higher percentage of successful transactions, increasing customer satisfaction and retention.

# Integrations
Catalog: https://www.payrails.com/integrations (full text of the catalog page is under Platform › Integrations above)
Last updated: 2026-10-21

75 integration pages: 67 live, 8 coming soon. Format: type · coverage regions · Payrails products supported · payment methods.

- [2C2P](https://www.payrails.com/integrations/2c2p): Payment Service Provider · Asia · Orchestration · Cards, VietQR. 2C2P is a Southeast-Asia-focused payment service provider headquartered in Singapore, integrated via a hosted payment page so card data never touches your checkout.
- [ADCB Loyalty](https://www.payrails.com/integrations/adcb-loyalty): Loyalty Program · MENA · Orchestration · TouchPoints (Loyalty Currency) · Coming soon. ADCB TouchPoints is a bank-exclusive loyalty redemption solution that lets UAE customers spend reward points as real-time currency at checkout.
- [Adyen](https://www.payrails.com/integrations/adyen): Payment Service Provider · Global · Orchestration, Performance Monitoring, Fee Monitoring, Reconciliation, Chargebacks · 19 methods incl. Cards, Apple Pay, Google Pay, PIX. Adyen is a global financial technology platform managing the full payment flow from gateway to acquiring across online, in-app, and in-store channels.
- [Afterpay](https://www.payrails.com/integrations/afterpay): Buy Now, Pay Later · Global · Orchestration · Afterpay · Coming soon. Afterpay, which trades as Clearpay in the UK and Europe, lets shoppers pay in four interest-free installments over six weeks.
- [Airwallex](https://www.payrails.com/integrations/airwallex): Payment Service Provider · Global · Orchestration · Cards, Apple Pay, Google Pay. Airwallex is a global payment and treasury platform specializing in multi-currency processing, FX conversion, and local collection accounts for international businesses.
- [Amazon Payment Services](https://www.payrails.com/integrations/amazon-payment-services): Payment Service Provider · MENA, Africa · Orchestration · 5 methods incl. Cards, Apple Pay, KNET, Benefit. Amazon Payment Services (formerly Payfort) is a secure online payment gateway built for the MENA region.
- [American Express](https://www.payrails.com/integrations/american-express): Acquirer · Global · Orchestration, Performance Monitoring, Fee Monitoring · Amex Credit/Debit Cards. American Express provides a premier, secure payment gateway for Amex cardholders, ensuring high acceptance rates and an optimized checkout experience.
- [Aplazo](https://www.payrails.com/integrations/aplazo): Buy Now, Pay Later · LatAm · Orchestration · Bank Account, Debit Cards, Installments. Aplazo is a Buy Now, Pay Later platform built exclusively for the Mexican market, offering bi-weekly installment plans tailored to local consumer habits.
- [Authorize.Net](https://www.payrails.com/integrations/authorize-net): Processor / Gateway · NorthAmerica · Orchestration · Cards, Apple Pay, Google Pay. Authorize.Net is one of the world's oldest and most trusted payment gateways, owned by Visa.
- [BBVA](https://www.payrails.com/integrations/bbva): Acquirer · Europe · Orchestration · Cards · Coming soon. BBVA is one of Spain's largest banks and offers merchant acquiring directly, across in-store POS, an online gateway and mobile.
- [Boku](https://www.payrails.com/integrations/boku): Payment Service Provider · Global · Orchestration · 9 methods incl. Direct Carrier Billing (DCB), Easypaisa, JazzCash, Nibss. Boku specializes in Direct Carrier Billing and digital wallet payments across 90+ countries, with strong coverage in Asia, EMEA, and Latin America.
- [Braintree](https://www.payrails.com/integrations/braintree): Payment Service Provider · Global · Orchestration, Performance Monitoring, Fee Monitoring · 5 methods incl. Cards, Apple Pay, Google Pay, PayPal. Braintree is a PayPal-owned payment platform known for its developer-friendly API, robust card vaulting, and native PayPal and Venmo support.
- [Checkout.com](https://www.payrails.com/integrations/checkout-com): Payment Service Provider · Global · Orchestration, Performance Monitoring, Fee Monitoring, Reconciliation, Chargebacks · 20 methods incl. Cards, Apple Pay, Google Pay, iDEAL. Checkout.com is a cloud-based modular payment platform built for enterprise-grade processing.
- [Craftgate](https://www.payrails.com/integrations/craftgate): Payment Service Provider · MENA · Orchestration · Cards, Yapı Kredi. Craftgate is an Istanbul-based payment orchestration platform.
- [Cybersource](https://www.payrails.com/integrations/cybersource): Processor / Gateway · Global · Orchestration · Cards, Apple Pay, Google Pay. Cybersource is one of the world's most mature payment gateways, owned by Visa and operating across 190+ countries.
- [Cybersource Decision Manager](https://www.payrails.com/integrations/cybersource-decision-manager): Fraud Prevention Platform · Global · Orchestration. Cybersource Decision Manager is Visa's enterprise fraud screening platform, combining two decades of payments expertise with AI-driven decisioning.
- [Ecommpay](https://www.payrails.com/integrations/ecommpay): Payment Service Provider · Europe, Asia · Orchestration · Cards, Apple Pay, Google Pay. Ecommpay is a boutique payment fintech offering customized checkout flows, high-conversion routing logic, and dedicated account management.
- [EmerchantPay](https://www.payrails.com/integrations/emerchantpay): Payment Service Provider · Global · Orchestration · Cards, Apple Pay, Google Pay. EmerchantPay is a managed payment service provider with in-house global acquiring and robust risk management.
- [Ethoca](https://www.payrails.com/integrations/ethoca): Dispute Management · Global · Chargebacks. Ethoca, a Mastercard service, links merchants, acquirers and issuers into a shared pre-dispute network.
- [Fawry](https://www.payrails.com/integrations/fawry): Payment Service Provider · Africa · Orchestration · Cards, FawryPay. Fawry is Egypt's dominant payment network, combining digital commerce capabilities with a physical collection network of over 160,000 locations nationwide.
- [Flutterwave](https://www.payrails.com/integrations/flutterwave): Payment Service Provider · Africa · Orchestration · 7 methods incl. Cards, 1Voucher, Bank Transfer, FawryPay. Flutterwave is a pan-African payment infrastructure provider offering a unified API for cross-border transactions and local payment methods.
- [Forter](https://www.payrails.com/integrations/forter): Fraud Prevention Platform · Global · Orchestration. Forter is an AI-driven fraud prevention platform built around the concept of "Identity Trust." It delivers fully automated, real-time approve or decline decisions across the entire customer journey, operating globally for enterprise merchants across all industries and regions.
- [Getnet](https://www.payrails.com/integrations/getnet): Acquirer · Europe, LatAm · Orchestration · Cards. Getnet is a Santander-owned global provider of omnichannel POS and digital acquiring solutions.
- [Gosas/Garanti](https://www.payrails.com/integrations/gosas-garanti): Acquirer · MENA · Orchestration · Cards. Garanti's Bonus platform is Turkey's leading card-based installment solution, enabling merchants to offer multi-month payment splits at checkout.
- [HiPay](https://www.payrails.com/integrations/hipay): Payment Service Provider · Europe · Orchestration · Cards. HiPay is a European payment service provider headquartered near Paris, offering unified online, in-store, and marketplace payments with built-in fraud management and payment analytics.
- [Hobex](https://www.payrails.com/integrations/hobex): Payment Service Provider · Europe · Orchestration · Cards. Hobex is a Central European payment specialist focused on card acquiring for retail and hospitality merchants.
- [HyperPay](https://www.payrails.com/integrations/hyperpay): Payment Service Provider · MENA, Africa · Orchestration · Cards, Mada, Apple Pay. HyperPay is a high-growth MENA payment gateway offering deep integration with local banking schemes and white-label capabilities.
- [JP Morgan](https://www.payrails.com/integrations/jp-morgan): Acquirer · Global · Fee Monitoring · Cards · Coming soon. JP Morgan Merchant Services delivers institutional-grade payment processing backed by one of the world's largest banks.
- [Klarna](https://www.payrails.com/integrations/klarna): Buy Now, Pay Later · Global · Orchestration, Performance Monitoring, Fee Monitoring, Reconciliation, Chargebacks · KlarnaPayLater, KlarnaPayNow, KlarnaPayOverTime. Klarna is a global BNPL leader offering pay later, pay now, and installment financing through a widely used consumer shopping app.
- [Kueski](https://www.payrails.com/integrations/kueski): Buy Now, Pay Later · LatAm · Orchestration · Kueski Pay. Kueski is a Mexican fintech lender providing instant credit at checkout for consumers without traditional bank accounts or credit cards.
- [Lean Tech](https://www.payrails.com/integrations/lean-tech): Open Banking · MENA, Africa · Orchestration · A2A Payments. Lean Tech is a GCC-based open banking infrastructure provider enabling direct account-to-account payments and real-time bank data access.
- [Lidio](https://www.payrails.com/integrations/lidio): Payment Service Provider · MENA · Orchestration · Cards. Lidio is a Turkish fintech platform providing card processing and licensed cross-border payment infrastructure for local and international businesses operating within Turkey's strict regulatory environment.
- [MPGS](https://www.payrails.com/integrations/mpgs): Processor / Gateway · Global · Orchestration · Cards, Apple Pay. MPGS (Mastercard Payment Gateway Services) is Mastercard's white-label gateway technology, providing scalable and globally compliant payment infrastructure.
- [MangoPay](https://www.payrails.com/integrations/mangopay): Payment Service Provider · Europe · Fee Monitoring · Cards. MangoPay is a modular, wallet-based payment infrastructure purpose-built for marketplaces, crowdfunding platforms, and fintechs.
- [MercadoPago](https://www.payrails.com/integrations/mercadopago): Payment Service Provider · LatAm · Orchestration · 5 methods incl. Cards, MercadoPago Consumer Credit, MercadoPago Wallet, Yape. MercadoPago is Latin America's dominant digital payment ecosystem, embedded within the region's largest e-commerce platform.
- [Modo](https://www.payrails.com/integrations/modo): Payment Service Provider · LatAm · Orchestration · Cards, MODO Wallet. Modo is an Argentine bank consortium enabling merchants to accept QR-based bank-to-bank payments from customers across 30+ participating banks.
- [MyFatoorah](https://www.payrails.com/integrations/myfatoorah): Payment Service Provider · MENA, Africa · Orchestration · 6 methods incl. Cards, KNET, Benefit, NAPS. MyFatoorah is a GCC-focused payment gateway known for fast merchant onboarding and payment link generation.
- [NMI](https://www.payrails.com/integrations/nmi): Payment Service Provider · Global · Orchestration · Cards, Apple Pay, Google Pay. NMI is a modular payment gateway platform built for software companies and ISOs to white-label and resell payment processing.
- [Network International](https://www.payrails.com/integrations/network-international): Acquirer · MENA, Africa · Orchestration · Cards, Apple Pay, Google Pay. Network International is the largest payment enabler in the UAE, providing acquiring, processing, and digital payment solutions.
- [NoonPayments](https://www.payrails.com/integrations/noonpayments): Payment Service Provider · MENA, Africa · Orchestration · Cards, Apple Pay, Google Pay. NoonPayments provides integrated payment processing within the Noon digital marketplace ecosystem across Saudi Arabia, UAE, and Egypt.
- [Nuvei](https://www.payrails.com/integrations/nuvei): Payment Service Provider · Global · Orchestration · 7 methods incl. Cards, Apple Pay, Google Pay, Alipay. Nuvei is a global payment technology partner for high-growth and niche industries, operating across 200+ countries.
- [PagaLeve](https://www.payrails.com/integrations/pagaleve): Buy Now, Pay Later · LatAm · Orchestration · Pix Parcelado. PagaLeve is a Brazilian Buy Now, Pay Later provider offering Pix Parcelado, where shoppers pay the first installment instantly with Pix and settle the rest over bi-weekly payments.
- [PayFlex](https://www.payrails.com/integrations/payflex): Buy Now, Pay Later · Africa · Orchestration · PayFlex. PayFlex is South Africa's leading interest-free Buy Now, Pay Later platform, letting consumers split purchases into equal installments with no fees or added interest.
- [PayJustNow](https://www.payrails.com/integrations/payjustnow): Buy Now, Pay Later · Africa · Orchestration · PayJustNow. PayJustNow is a South African BNPL platform focused on apparel and lifestyle retail.
- [PayPal](https://www.payrails.com/integrations/paypal): Payment Service Provider · Global · Orchestration · PayPal, PayPal Express Checkout. PayPal is the world's leading digital wallet, trusted by over 400 million active consumers globally.
- [PayU](https://www.payrails.com/integrations/payu): Payment Service Provider · Global · Orchestration · Cards, EFT Pro. PayU is a Prosus-owned growth-market payment specialist with deep expertise in India, Latin America, and Central & Eastern Europe.
- [Payabl](https://www.payrails.com/integrations/payabl): Payment Service Provider · Europe · Orchestration · Cards, Apple Pay, Google Pay. payabl.
- [Paymob](https://www.payrails.com/integrations/paymob): Payment Service Provider · MENA, Africa · Orchestration · Cards, Vodafone Cash, Meeza. Paymob is an SME-focused payment platform built for emerging market commerce.
- [Payplug](https://www.payrails.com/integrations/payplug): Payment Service Provider · Europe · Orchestration · Cards, Apple Pay, Google Pay. Payplug is a French payment gateway built for European SMEs, offering high-conversion checkout flows with native integrations into Shopify and PrestaShop.
- [Payzone](https://www.payrails.com/integrations/payzone): Payment Service Provider · Africa · Orchestration · 5 methods incl. Cards, Lana Cash, Barid Cash, Damane Cash. Payzone is a Moroccan payment provider offering card processing, e-commerce services, and physical payment infrastructure tailored to local businesses.
- [PineLabs](https://www.payrails.com/integrations/pinelabs-citibank): Payment Service Provider · Asia · Orchestration · 6 methods incl. Cards, CashFree Wallet, Net Banking, UPI. Pine Labs is a leading Indian retail technology platform offering smart POS terminals and EMI-at-checkout capabilities.
- [Planet](https://www.payrails.com/integrations/planet): Payment Service Provider · Global · Orchestration · Cards, Apple Pay, Google Pay. Planet is a global payments and technology provider specializing in luxury retail, hospitality, and travel.
- [Rapyd](https://www.payrails.com/integrations/rapyd): Payment Service Provider · Global · Orchestration · Cards · Coming soon. Rapyd is a Fintech-as-a-Service platform offering a unified API for payment collection, disbursements, wallets, and FX management across 190+ countries.
- [Ravelin](https://www.payrails.com/integrations/ravelin): Fraud Prevention Platform · Global · Orchestration. Ravelin is an ML-driven fraud prevention platform specializing in graph network analysis.
- [Redsys](https://www.payrails.com/integrations/redsys): Processor / Gateway · Europe · Orchestration · Cards, Apple Pay, Google Pay, Bizum. Redsys runs the card-processing infrastructure behind most of Spain's banks, including Santander, BBVA, CaixaBank and Sabadell.
- [Revolut](https://www.payrails.com/integrations/revolut): Acquirer · Global · Orchestration · Cards, Revolut Pay, Apple Pay, Google Pay. Revolut offers merchant acquiring with instant settlement directly into Revolut Business accounts.
- [Riskified](https://www.payrails.com/integrations/riskified): Fraud Prevention Platform · Global · Orchestration. Riskified is an AI-based fraud and risk platform built for large e-commerce merchants.
- [Scalapay](https://www.payrails.com/integrations/scalapay): Buy Now, Pay Later · Europe · Orchestration · Scalapay · Coming soon. Scalapay is a Milan-based buy-now-pay-later provider with a strong Southern European presence.
- [Signifyd](https://www.payrails.com/integrations/signifyd): Fraud Prevention Platform · Global · Orchestration. Signifyd is a commerce-protection platform that scores every order at checkout and guarantees the outcome.
- [Snowflake](https://www.payrails.com/integrations/snowflake): Data and Analytics · Global · Performance Monitoring, Fee Monitoring, Reconciliation. Snowflake is a cloud data platform that unifies data warehousing, analytics, data engineering, and secure data sharing in one fully managed service.
- [Solidgate](https://www.payrails.com/integrations/solidgate): Payment Service Provider · Global · Orchestration · Cards, Apple Pay, Google Pay. Solidgate is a revenue-focused payment gateway purpose-built for subscription and SaaS businesses.
- [Stripe](https://www.payrails.com/integrations/stripe): Payment Service Provider · Global · Orchestration, Performance Monitoring, Fee Monitoring, Reconciliation, Chargebacks · 15 methods incl. Cards, Apple Pay, Google Pay, Klarna. Stripe is the industry-standard developer-first payment platform, offering a modular API suite covering payments, billing, tax, and financial infrastructure.
- [Tabby](https://www.payrails.com/integrations/tabby): Buy Now, Pay Later · MENA, Africa · Orchestration · Tabby. Tabby is one of the two largest BNPL shopping apps in the Middle East, offering pay-later and installment options to millions of regional consumers.
- [Tamara](https://www.payrails.com/integrations/tamara): Buy Now, Pay Later · MENA, Africa · Orchestration · Tamara. Tamara is a Saudi-founded BNPL unicorn with deep roots in the Kingdom's retail ecosystem.
- [Tap](https://www.payrails.com/integrations/tap): Payment Service Provider · MENA, Africa · Orchestration · Cards, Apple Pay, Google Pay. Tap is a GCC-focused payment gateway activating all major local banking schemes and digital wallets across the Gulf through a single integration.
- [Telr](https://www.payrails.com/integrations/telr): Payment Service Provider · MENA, Asia · Orchestration · Cards, Apple Pay, Google Pay. Telr is an award-winning MENA payment gateway focused on social commerce and digital storefronts for SMEs.
- [Thunes](https://www.payrails.com/integrations/thunes): Payment Service Provider · Global · Orchestration · Alfa, Easypaisa, JazzCash, Konnect. Thunes is a global B2B payment network providing real-time cross-border payouts to bank accounts and mobile wallets in 130+ countries.
- [Transbank](https://www.payrails.com/integrations/transbank): Acquirer · LatAm · Orchestration · Cards. Transbank is Chile's largest payment acquirer, processing card payments for merchants nationwide through its WebPay Plus hosted payment page.
- [Trustly](https://www.payrails.com/integrations/trustly): Open Banking · Europe, NorthAmerica · Orchestration · Direct Bank e-Payments · Coming soon. Trustly is a global leader in account-to-account payments, enabling consumers to pay directly from their bank account without cards or wallets.
- [Unlimit](https://www.payrails.com/integrations/unlimit): Payment Service Provider · Global · Orchestration · 5 methods incl. Cards, UPI, PhonePe Wallet, Google Pay. Unlimit is a tech-forward global payment provider offering Banking-as-a-Service, card issuing, and multi-method processing.
- [Unzer](https://www.payrails.com/integrations/unzer): Payment Service Provider · Europe · Orchestration · Cards. Unzer is a European payments company formed in 2020 out of the former Heidelpay group.
- [Verifi](https://www.payrails.com/integrations/verifi): Dispute Management · Global · Chargebacks. Verifi, a Visa company, heads off disputes through Order Insight.
- [Worldline](https://www.payrails.com/integrations/worldline): Acquirer · Global · Orchestration · Cards · Coming soon. Worldline is Europe's largest payment and transactional services provider, offering both physical POS and digital acquiring.
- [Worldpay](https://www.payrails.com/integrations/worldpay): Acquirer · Global · Orchestration · 14 methods incl. Cards, Apple Pay, Google Pay, iDEAL. Worldpay is a global enterprise payment processor built to handle some of the highest transaction volumes in the industry.
- [dLocal](https://www.payrails.com/integrations/dlocal): Payment Service Provider · LatAm, Africa, Asia · Orchestration · 43 methods incl. Cards, Bank Transfer, Capitec Pay, CashFree Wallet. dLocal is a cross-border payments specialist connecting global merchants to local payment methods across 43+ emerging markets in Latin America, Africa, and Asia.

# Blog
Source: https://www.payrails.com/blog
Last updated: 2026-10-17

Learn how leading companies raise authorization rates, cut payment costs, and streamline operations with orchestration, routing, and reconciliation. 89 posts, newest first, with publication date and summary.

- [Payrails launches Merchant of Record product built to be outgrown](https://www.payrails.com/blog/payrails-launches-merchant-of-record-built-to-be-outgrown) (2026-10-07): AI, SaaS, and digital goods companies can sell internationally from day one, then move markets to their own setup, all on the same Payrails platform.
- [Network tokens vs. gateway vs. vault tokens: Which lifts approval rates?](https://www.payrails.com/blog/network-token) (2026-09-24): Network tokens come from card networks, gateway tokens from providers, and vault tokens from vault operators. Compare where each works and approval rates lift.
- [How to build the right payment stack for hospitality](https://www.payrails.com/blog/payment-solutions-hospitality) (2026-09-15): Compare 4 ways to structure hospitality payments: multi-PSP setups, single PSP, PMS-embedded tools, and specialist add-ons, from booking to chargebacks.
- [Everyone’s talking about agentic commerce. Here’s what it actually means for merchants.](https://www.payrails.com/blog/agentic-commerce-what-it-actually-means-for-merchants) (2026-08-14): What's the one move merchants should make now to be ready for agentic commerce? Owning your payment tokens with a provider-agnostic Token Vault.
- [Smarter Payment Routing: How We Use Machine Learning to Lift Authorization Rates at Payrails](https://www.payrails.com/blog/how-we-use-machine-learning-to-lift-authorization-rates-payrails) (2026-08-14): Rule-based payment routing hits a ceiling. See how Payrails uses machine learning to lift authorization rates and re-route 22% of payments.
- [How to analyze the ROI of payment orchestration](https://www.payrails.com/blog/payment-orchestration-roi) (2026-08-05): A practical framework for measuring payment orchestration ROI, connecting authorization rate, cost per transaction, and churn to numbers a CFO can defend.
- [AI in payments: What’s real, what’s hype, and what’s next](https://www.payrails.com/blog/ai-in-payments) (2026-08-04): Not all AI in payments is real. Here's where AI already works in routing, integrations and reconciliation, and what credible agentic payments look like.
- [How Playtomic brings local payments to players in 50+ countries](https://www.payrails.com/blog/playtomic) (2026-07-14): Playtomic, live in 50+ countries, is localizing checkout with Payrails and dLocal, starting with local payment methods and currency in South Africa.
- [Payrails helps PRYPCO open real estate investment to anyone, anywhere](https://www.payrails.com/blog/payrails-helps-prypco-open-real-estate-investment-to-anyone-anywhere) (2026-07-07): PRYPCO opens Dubai's real estate market to investors in 195 countries. See how Payrails powers its fractional and tokenized investment platforms.
- [Automated payment reconciliation: A complete guide](https://www.payrails.com/blog/automated-payment-reconciliation) (2026-07-03): Learn how automated payment reconciliation matches PSP settlements to records, flags exceptions, and tracks KPIs for accuracy at scale.
- [Payment reconciliation process explained step by step](https://www.payrails.com/blog/payment-reconciliation-process) (2026-07-02): A step-by-step breakdown of payment reconciliation covering types, real-world mismatch examples, and how to resolve refunds, fee discrepancies, and FX drift.
- [Payment optimization: 4 levers that stop revenue leaking](https://www.payrails.com/blog/payment-optimization) (2026-06-23): Authorization recovery, cost reduction, fraud balance, and checkout conversion. The payment optimization strategies that stop revenue from leaking out.
- [Payment stack layers explained](https://www.payrails.com/blog/payment-stack) (2026-06-23): Understand what each payment stack layer does, how money moves through it, and the real trade-offs between modular and unified approaches.
- [8 things to pay attention to when evaluating chargeback management software](https://www.payrails.com/blog/chargeback-management-software) (2026-06-19): A buyer’s framework for evaluating chargeback management software. Compare SaaS versus managed services, integration depth, and ratio visibility.
- [Build vs buy in payments: There is no silver bullet](https://www.payrails.com/blog/build-vs-buy-payments) (2026-06-16): There is no silver bullet to the build vs. buy payments debate. Learn how to analyze your stack layer by layer based on 5-year TCO and strategic value.
- [How to build a chargeback management program that protects revenue](https://www.payrails.com/blog/chargeback-management) (2026-06-04): Most chargeback programs fail because prevention, monitoring, and representment work in silos. Build one connected program that keeps your ratio below 1%.
- [How to lower costs and boost revenue with smart payment routing](https://www.payrails.com/blog/smart-payment-routing) (2026-06-04): Smart payment routing picks the best processor to cut costs and lift authorization rates. Learn how cascading, weighted routing, and local acquiring work.
- [Payment processing fees: Fixed, Interchange Plus, Interchange ++ (and when each one wins)](https://www.payrails.com/blog/payment-processing-fees-interchange-plus-vs-flat-rate) (2026-05-26): Compare interchange plus vs flat rate with real $100 examples. Learn which model fits your volume, card mix, and growth, plus how to audit your actual costs.
- [Payrails and Flix partner to solve chargebacks in travel](https://www.payrails.com/blog/payrails-flix-chargebacks-travel) (2026-05-05): Fragmented chargeback data costs travel merchants time and revenue. See how Payrails and Flix centralize disputes, automate responses, and win more cases.
- [How chargeback alerts stop disputes early and what to do when they don’t](https://www.payrails.com/blog/chargeback-alerts) (2026-04-30): Chargeback alerts give you 24–72 hours to stop disputes before they become chargebacks. How Verifi and Ethoca work, what they cost, and where they fit.
- [Payment processing costs explained fee-by-fee](https://www.payrails.com/blog/payment-processing-costs) (2026-04-23): Every payment processing cost explained individually. Interchange, network fee, processor markup, chargebacks, PCI fees, and more broken down with real numbers.
- [How to prevent all three types of chargebacks](https://www.payrails.com/blog/chargeback-prevention) (2026-04-22): Criminal fraud, friendly fraud, and merchant error each need different prevention tactics. Learn how to stop all three before they hit your chargeback ratio.
- [What do we mean by smooth orchestration?](https://www.payrails.com/blog/smooth-orchestration) (2026-03-16): What is smooth payment orchestration? Payrails explains why your payment stack doesn't need a rebuild – it needs a better conductor.
- [How we're building AI at Payrails: From clean data to autonomous agents](https://www.payrails.com/blog/ai-at-payrails-from-clean-data-to-autonomous-agents) (2026-03-12): From a unified data layer and ML-powered routing to an analytics co-pilot and autonomous agents: how Payrails is building AI into payments.
- [Why merchant-owned payment vaults outperform PSP tokenization](https://www.payrails.com/blog/merchant-owned-payment-vault) (2026-02-27): Merchant-owned payment vaults give you full control of payment tokens, enabling multi-PSP routing, higher authorization rates, and lower PCI scope.
- [Chargebacks in travel and hospitality: Why the old playbook is failing (and what to do instead)](https://www.payrails.com/blog/chargebacks-travel-hospitality) (2026-02-25): A hotel group wins 92% of its Amex chargebacks in the UK but 22% in Germany. What travel and hospitality businesses need to change about chargebacks.
- [Payrails to set up Middle East headquarters in Dubai](https://www.payrails.com/blog/payrails-middle-east-headquarters-difc-dubai) (2026-02-25): Payrails will expand its footprint in the Middle East with support from Dubai International Financial Centre (DIFC)
- [The future-proof payment stack: What hospitality platforms should look for](https://www.payrails.com/blog/future-proof-payment-stack-hospitality) (2026-02-17): Hospitality platforms need scalable payment stacks. Learn what a future-proof stack needs to lift authorization, expand globally, and add revenue.
- [Why hospitality payments are so complex (and what to do about it)](https://www.payrails.com/blog/why-hospitality-payments-are-so-complex-and-what-to-do-about-it) (2026-02-10): Hospitality platforms rarely process a single, clean transaction. See how Payrails modernizes tokenization and orchestration without PSP lock-in.
- [The payments maturity gap in e-commerce and marketplaces](https://www.payrails.com/blog/the-payments-maturity-gap-in-ecommerce-and-marketplaces) (2026-02-04): As e-commerce and marketplaces scale, payment complexity outgrows infrastructure. Learn what payment maturity means in 2026 and how teams regain control.
- [Beyond the mismatch: The real challenge behind payment reconciliation in travel](https://www.payrails.com/blog/payment-reconciliation-travel-challenges) (2026-01-27): Payment reconciliation in travel: how Payrails automates the 5% of cross-border, FX, and VCC edge cases that take 80% of your finance team's time.
- [Building intelligent anomaly detection at Payrails](https://www.payrails.com/blog/building-intelligent-anomaly-detection-at-payrails) (2026-01-20): Discover how machine learning is transforming payment monitoring at Payrails with intelligent anomaly detection that learns in real-time
- [Behind the brand: Designing the next chapter of Payrails](https://www.payrails.com/blog/behind-the-brand-designing-the-next-chapter-of-payrails) (2026-01-16): Behind the Payrails rebrand: why we treated it as a company-wide reinvention, and the design principles that shaped our new identity system.
- [Introducing the new Payrails: A brand built for the future of financial operations](https://www.payrails.com/blog/introducing-the-new-payrails-a-brand-built-for-the-future-of-financial-operations) (2026-01-12): From our origins in payments, Payrails is building a comprehensive financial operating system that puts businesses back in control.
- [What subscription businesses really need from payment orchestration: 8 lessons from the world of recurring payments](https://www.payrails.com/blog/what-subscription-businesses-really-need-from-payment-orchestration) (2025-12-22): Subscription payments follow their own rules. From timing and tokenization to retries and recovery, here’s what merchants really need to win.
- [Why I decided to fix chargebacks the hard way](https://www.payrails.com/blog/why-i-decided-to-fix-chargebacks-the-hard-way) (2025-12-15): How Payrails is solving chargebacks with unified data, smarter workflows, and predictable pricing to help merchants win disputes and retain revenue.
- [Think global, acquire local: How local payment acquiring optimizes enterprise performance](https://www.payrails.com/blog/think-global-acquire-local-how-local-payment-acquiring-optimizes-enterprise-performance) (2025-11-28): How local payment acquiring improves authorization rates, lowers cross-border fees, and helps global enterprises scale payment infrastructure.
- [Payrails welcomes Valesca Molinari as General Counsel](https://www.payrails.com/blog/payrails-welcomes-valesca-molinari-as-general-counsel) (2025-11-25): Payrails appoints Valesca Molinari as General Counsel to strengthen governance and support global scale. Read her insights on legal’s role in high-growth tech.
- [Payrails opens new Dublin office to accelerate EMEA growth and global innovation](https://www.payrails.com/blog/payrails-expansion-dublin) (2025-11-13): Payrails has opened a Dublin office, a key step in our European expansion and our commitment to enterprise merchants across EMEA and beyond.
- [Payrails brings agnostic Apple Pay and Google Pay flexibility to merchants](https://www.payrails.com/blog/payrails-brings-agnostic-apple-pay-and-google-pay-flexibility-to-merchants) (2025-10-21): Payrails now supports agnostic Apple Pay and Google Pay, helping merchants stay flexible and independent across every payment method.
- [Closing the books in days, not weeks: AI’s role in finance operations](https://www.payrails.com/blog/closing-the-books-in-days-not-weeks-ais-role-in-finance-operations) (2025-10-07): Closing the books in days, not weeks: how AI in finance operations unifies payment data, flags mismatches early, and can cut the close to 3–5 days
- [What is total payment volume (TPV) and why does it matter for enterprise growth?](https://www.payrails.com/blog/what-is-total-payment-volume-and-why-does-it-matter-for-enterprise-growth) (2025-09-15): What total payment volume (TPV) means, how it's measured, and why it's a critical growth metric for enterprises expanding across regions and PSPs.
- [Building best-in-class partnerships: Our commitment at Payrails](https://www.payrails.com/blog/payrails-partnership-ecosystem) (2025-09-11): Payrails' merchant-first partner ecosystem: how our agnostic approach and technology partnerships simplify payment operations and help merchants scale.
- [3DS: Friction vs. security and the customer experience trade-off](https://www.payrails.com/blog/3ds-friction-vs-security-and-the-customer-experience-trade-off) (2025-09-09): 3DS cuts fraud and meets SCA rules but adds checkout friction. Learn how enterprises balance security, authorization rates, and conversion with exemptions.
- [Chargeback management: How unified analytics help you understand your chargeback rate, win more disputes, and get paid faster](https://www.payrails.com/blog/chargeback-management-how-unified-analytics-help-you-understand-your-chargeback-rate-win-more-disputes-and-get-paid-faster) (2025-09-08): Chargebacks drain margin and time. Learn the dispute cycle, what to track, and how to win more disputes with better data, faster evidence, and prevention.
- [PCI DSS 4.0 compliance: What’s new and how to simplify your compliance strategy](https://www.payrails.com/blog/pci-dss-4-0-compliance-whats-new) (2025-09-01): PCI DSS 4.0 changes in plain English: how payment tokenization shrinks scope, standardizes controls, and speeds audits, with practical steps.
- [From data fragmentation to strategic control: Why enterprise merchants need unified payment analytics](https://www.payrails.com/blog/unified-payment-analytics) (2025-08-21): Fragmented PSP dashboards hide revenue. Unified payment analytics give enterprises real-time visibility and standard KPIs to lift acceptance and cut costs.
- [Hospitality industry trends 2025: What payment data tells us about the future](https://www.payrails.com/blog/hospitality-payment-report) (2025-07-16): 2025 hospitality trends through payment data: guest behavior, fraud, BNPL, AI, and reconciliation – what's driving change and how leaders should respond.
- [Payrails raises $32M Series A to help global enterprises maximize payment performance](https://www.payrails.com/blog/payrails-series-a) (2025-06-12): Payrails raised $32M in Series A funding led by HV Capital, with EQT Ventures, General Catalyst, and a16z, to help enterprises control their payments.
- [Introducing in-person payments for a seamless omnichannel experience](https://www.payrails.com/blog/in-person-payments-omnichannel-experience) (2025-06-04): In-person payments are now part of Payrails. Accept cards, wallets, and QR payments across channels, devices, and markets, with no new hardware.
- [Introducing agnostic in-app payments](https://www.payrails.com/blog/agnostic-in-app-payments) (2025-05-05): Agnostic in-app payments: break free from platform limits, integrate any processor, cut fees, and design flexible in-app payment experiences.
- [The future of payments: how modularity unlocks growth](https://www.payrails.com/blog/payments-modularity) (2025-04-11): How modular payment architecture enables flexibility, scalability, and control. Watch Ugur Cinar's MPE 2025 keynote on why modularity reshapes payments.
- [Payrails welcomes Edward Moore as CRO](https://www.payrails.com/blog/edward-moore-cro-interview) (2025-04-01): Payrails' new CRO Edward Moore on why he joined, what's next for enterprise payments, and how Payrails gives global businesses flexibility and control.
- [Streamlining payment processing in travel with token vaults and agnostic 3DS](https://www.payrails.com/blog/streamlining-payments-travel-token-vault) (2025-03-04): How a standalone token vault simplifies travel payments, keeping airlines, OTAs, and travel tech companies compliant while controlling payment flows.
- [Payrails supports Flix with scalable payment solutions to fuel global growth](https://www.payrails.com/blog/flix-payrails-partnership) (2025-02-17): Payrails acts as an extension of Flix's payments team, delivering reliable, scalable infrastructure and localized checkout across global markets.
- [Payrails and Mastercard empower large enterprises to navigate the digital economy with next-generation payment capabilities](https://www.payrails.com/blog/mastercard-payrails-partnership) (2025-02-04): Payrails and Mastercard partner to give large enterprises scalable, flexible, and localized payment capabilities that improve global transactions.
- [Rethinking the business impact of agnostic token vaults](https://www.payrails.com/blog/maximize-token-vault-potential-with-enhanced-features) (2025-01-09): See how next-gen token vaults transform payments by increasing flexibility, optimizing workflows, and delivering better customer experiences.
- [Unlocking the business potential of marketplace payouts](https://www.payrails.com/blog/unlocking-marketplace-payouts) (2024-12-13): Discover how strategic payout processes can empower marketplaces to simplify compliance, engage sellers, and boost efficiency.
- [Building together: Co-creation for merchant success](https://www.payrails.com/blog/co-creating-scalable-payment-solutions) (2024-11-28): See how Payrails co-creates flexible, scalable payment infrastructure with global merchants to support efficiency, growth, and adaptability.
- [Four steps to prepare your payment strategy for peak season success](https://www.payrails.com/blog/four-steps-optimize-payment-processes-peak-sales) (2024-11-12): Four strategies to optimize payments for peak sales seasons: improve checkout conversion, minimize fees, and keep e-commerce customers satisfied.
- [Tailoring great customer experiences with powerful payment workflows](https://www.payrails.com/blog/tailoring-great-customer-experiences-with-payment-workflows) (2024-11-04): Tailored payment workflows increase checkout conversion, reduce costs, and minimize fraud. Learn strategies to optimize your payment processes.
- [Reconciliation challenges faced by enterprises](https://www.payrails.com/blog/reconciliation-challenges-for-enterprises) (2024-10-17): For growing businesses, payment reconciliation can become complex and time-consuming. This post breaks down these challenges and strategies to overcome them.
- [PUMA partners with Payrails to transform online payments and improve the shopping experience for customers worldwide](https://www.payrails.com/blog/puma-partners-with-payrails-to-transform-online-payments-and-improve-the-shopping-experience) (2024-09-17): PUMA partners with Payrails, the payment operating system for global enterprises, to transform online payments and improve its shopping experience.
- [What is payment fraud?](https://www.payrails.com/blog/what-is-payment-fraud) (2024-08-29): Fraudsters keep getting more sophisticated with tactics like account takeover. Learn what payment fraud is, its impact, and how to counter it.
- [What is payment reconciliation?](https://www.payrails.com/blog/what-is-payment-reconciliation) (2024-08-06): In this edition of Payments 101, we will cover the basics of payment reconciliation and its advantages for merchants.
- [How to resolve common subscription payment challenges](https://www.payrails.com/blog/how-to-resolve-common-subscription-payment-challenges) (2024-07-29): In this article, we outline the most common challenges that subscription businesses face in their payments and how to resolve them elegantly and effectively.
- [What are alternative payment methods (APMs)?](https://www.payrails.com/blog/what-are-alternative-payment-methods) (2024-07-25): Alternative payment methods (APMs) like digital wallets, BNPL, and bank transfers: how they work, examples by region, and how they boost conversion.
- [What is payment routing?](https://www.payrails.com/blog/what-is-payment-routing) (2024-07-02): Payment routing is a top feature for merchants optimizing their payments setup. Learn what payment routing is, how it works, and why it matters.
- [Careem and Payrails partner to optimize payment performance across MENA](https://www.payrails.com/blog/careem-and-payrails-partner-to-optimize-payment-performance-across-mena) (2024-06-19): Careem and Payrails partner to optimize payment performance across MENA, with dynamic routing and easier local integrations to enter new markets faster
- [Comparing manual and automated payment reconciliation](https://www.payrails.com/blog/comparing-manual-and-automated-payment-reconciliation) (2024-05-03): Manual payment reconciliation is a common practice, however is it the most effective for merchants? We compare manual and automated payment reconciliation.
- [Creating a successful payments setup: Should you build or buy a solution?](https://www.payrails.com/blog/creating-a-successful-payments-setup-should-you-build-or-buy-a-solution) (2024-04-19): More merchants are looking to optimize their payments setup. But the big question remains if it’s better to do in-house or to partner with a solution provider.
- [What is network tokenization?](https://www.payrails.com/blog/what-is-network-tokenization) (2024-03-28): Learn what tokenization is, how it’s being used in online payments, what network tokens are and the benefits of using network tokens.
- [How to reduce payment declines and increase your authorization rate](https://www.payrails.com/blog/how-to-reduce-payment-declines-and-increase-your-authorization-rate) (2024-03-21): Discover the most common reasons for payment declines and how to address them with payment solutions. Learn more in this article.
- [What is payment orchestration?](https://www.payrails.com/blog/what-is-payment-orchestration) (2024-02-21): Payment orchestration brings every part of the online payment process into one platform. Learn how it works and how your business can benefit.
- [How to increase checkout conversions with payment tokens](https://www.payrails.com/blog/how-to-increase-checkout-conversions-with-payment-tokens) (2024-02-15): Payment tokenization technology removes friction and complexity from recurring payments and adds necessary security features. Learn more in this article.
- [8 ways to lower payment processing costs](https://www.payrails.com/blog/8-ways-to-lower-payment-processing-costs) (2024-02-09): Learn how you can maximize your profits by minimizing processing fees and costs. Here are eight proven strategies.
- [How to reduce payment processing costs with unified analytics](https://www.payrails.com/blog/how-to-reduce-payment-processing-fees-with-unified-analytics) (2024-02-01): Analyzing processing fees across multiple payment processors helps you lower costs. Learn how unified payment analytics reveal where to save.
- [Unlocking the full potential of payment ledgers to drive more revenue](https://www.payrails.com/blog/unlocking-the-full-potential-of-payment-ledgers-to-drive-more-revenue) (2023-10-25): A payment ledger records every transaction's date, amount, parties, funding sources, and purpose. Learn how ledgers help you drive more revenue.
- [The power of advanced analytics in optimizing payment performance](https://www.payrails.com/blog/the-power-of-advanced-analytics-in-optimizing-payment-performance) (2023-10-11): Payment analytics examines transaction data to fix weak spots and reveal savings and profit opportunities across every step of the payment journey.
- [Mastering PSP integrations: Key learnings from our experience](https://www.payrails.com/blog/mastering-psp-integrations-key-learnings-from-our-experience) (2023-09-13): Why are PSP integrations so complex and hard to estimate? Key lessons from our experience on what it takes to integrate payment providers successfully.
- [Five costly mistakes in managing online payments](https://www.payrails.com/blog/five-costly-mistakes-in-managing-online-payments) (2023-08-02): Five costly mistakes in managing online payments, from integrating new payment gateways and reconciliation to cost cutting and chargebacks.
- [How to choose the best payment gateway - RFP guide](https://www.payrails.com/blog/how-to-choose-the-best-payment-gateway-rfp-guide) (2023-05-17): Choose the right payment gateway with our RFP guide: the essential questions to ask and how to make an informed decision for your business's growth.
- [3 Ideas for reducing payment failures with automatic payment retry](https://www.payrails.com/blog/recover-failed-payments-with-payment-retry) (2023-03-23): Recover failed payments and lost revenue with intelligent payment retry. Learn how to integrate payment retry into your payment infrastructure.
- [How payment routing ensures business continuity in emergencies](https://www.payrails.com/blog/payment-routing-business-continuity-emergencies) (2023-03-20): Learn the importance of payment routing in ensuring business continuity during emergencies, and how it benefits digital platforms.
- [What to expect when partnering with Payrails](https://www.payrails.com/blog/payrails-partnership-journey) (2023-03-01): What to expect when working with Payrails: from onboarding to implementation and beyond, a step-by-step overview of the partnership journey.
- [Automate your refund process and keep customers happy](https://www.payrails.com/blog/automate-your-refund-process-and-keep-customers-happy) (2022-12-28): Automate refunds with ledgers: give customers instant credit for their next purchase instead of waiting on issuing banks, and cut manual refund work.
- [Scaling payment acceptance](https://www.payrails.com/blog/scaling-payment-acceptance) (2022-11-26): How can payment engineers handle a 20x traffic burst in seconds without losing availability or accuracy? Strategies for scaling payment acceptance.
- [Building local payment experiences as a global company](https://www.payrails.com/blog/building-local-payment-experiences) (2022-11-11): Enterprises are operating in an extremely complex payment environment. Learn how Payrails OS helps create better experiences for enterprise payment operations.
- [Why we are building Payrails](https://www.payrails.com/blog/why-we-are-building-payrails) (2022-10-17): Payrails is here to be your partner on improving payment experiences. Learn why we are building Payrails to provide a seamless payment operating system.

# Company › About us
Source: https://www.payrails.com/about-us
Last updated: 2026-10-17

Payrails is the financial operating system for teams committed to achieving more. Our modular platform brings clarity, structure, and adaptability to the payment and financial workflows that sit at the core of modern enterprise. We design user-friendly systems that evolve with teams as they enter new markets, launch new products, and work with new partners. The result is infrastructure that grows with people and the decisions they make, not around them.

Payrails is a response to a fundamental need: for greater freedom, visibility, and control in how teams manage growth. Our mission is to give fast-moving enterprises the tools to scale without rebuilding at every step.

With deep expertise in payments, finance, engineering, and operations, our team understands how interdependent systems behave at scale and how small improvements create impact across the entire business. Drawing on our own experience inside the likes of Stripe, Adyen, PayPal, Klarna, N26, Delivery Hero, and other global enterprises, we approach financial infrastructure as a long-term system rather than a collection of features. Our work combines modern engineering with close collaboration, helping you build an operating foundation that is strengthened through a partnership-driven approach to solving problems.

## Commitments
- Speed is strategy: we ship fast, iterate faster, and solve real problems with urgency.
- Elevate human expertise: we empower teams to build with clarity and confidence.
- Open by design: we unify fragmented systems and unlock flexibility.
- Trust unlocks potential: we build trust as the foundation for growth and shared success.

# Company › Key facts
Source: https://www.payrails.com/llms.txt

- Founded in 2021 by Orkhan Abdullayev (CEO), Emre Talay (COO), and Nicolas Thouzeau.
- Headquartered in Berlin, Germany (Zimmerstraße 16, 10969 Berlin). Offices also in London, Dublin, Cairo, and Dubai.
- Registered as Payrails GmbH, Commercial Register Berlin-Charlottenburg, HRB 232719 B.
- $52.8M total funding: $6.4M Seed (2022, led by a16z), $14.4M extension (2023), $32M Series A (June 2025, led by HV Capital)
- Named in CB Insights Fintech 100 (2025) and LinkedIn Top Startups 2025 (DACH)
- Strategic partnership with Mastercard (February 2025)
- Trusted by Puma, Vinted, Flix, InDrive, Just Eat Takeaway, Careem, Eneba, Preply, and Teknasyon
- 100+ integrations including connections to SAP, Salesforce, Snowflake, Stripe, and Forter
- Modular, composable architecture — merchants adopt individual modules or the full stack
- AI-native: Ask Payrails runs agentic workflows for payment performance, chargeback defense, reconciliation, and cost anomaly detection
- Merchant of Record: Payrails can act as seller of record for digital products, handling sales tax, VAT and GST, invoicing, fraud, and chargebacks
- Agentic commerce: portable payment credentials and decline recovery for AI agent checkouts
- Industries served: mobility, delivery, retail, hospitality, marketplaces, e-commerce, subscriptions

# Company › Careers
Source: https://www.payrails.com/careers
Last updated: 2026-10-17

Our vision is to enable high-growth companies to craft their payment experiences and financial services globally and we can only achieve this with a great team in place. If you are passionate about solving complex & challenging problems, then join us on this great journey and let's bring our vision to life.

Values: We Listen First · We Iterate Fast · We Win as One Team · We Aim for Excellence
Perks: Access to exclusive corporate deals and discounts · Visa & Relocation support · Hybrid Working Environment · Regular Team Events · 27 Days Annual Holiday · Wellness & Fitness Benefits
Open positions are listed on https://www.payrails.com/careers.

# Company › Contact
Source: https://www.payrails.com/contact
Last updated: 2026-10-17

Book a demo at https://www.payrails.com/contact: optimize payments in one PSP-agnostic layer, automate reconciliation and other financial workflows, unify payment analytics across your entire stack, and simplify tokenization and compliance.

- Website: https://www.payrails.com
- Email: contact@payrails.com
- Demo: https://www.payrails.com/contact
- Documentation: https://docs.payrails.com
- LinkedIn: https://www.linkedin.com/company/payrails/

# Legal

- [Privacy Policy](https://www.payrails.com/privacy-policy) (last updated 2026-10-17): Data protection and GDPR information.
- [Imprint](https://www.payrails.com/imprint) (last updated 2026-09-23): Legal notice — Payrails GmbH, Zimmerstraße 16, 10969 Berlin. Includes registered entity details, managing directors, HRB 232719 B, and General Website Terms of Use.