Every business model

moves money differently.

A checkout, a renewal, a split payment, a wire and a treasury sweep look nothing alike. PAXORA runs all five on the same four layers — and adapts what happens inside each one.

Case register05 files

01E-commerceCheckout → payout 02SaaSRenew → recover 03MarketplacesCollect → split 04Financial InstitutionsMessage → post 05EnterpriseEntity → group

— 01 / Case files

Five business models.

Five money flows.

Open a file to see the financial problem, how PAXORA solves it and the exact path the money takes.

Case file 01 · E-commerceRef PXR-IND-01

Higher conversion at checkout.
Faster payouts after it.

Online retailers lose revenue twice: once when a good customer is declined, and again while cash waits days to land. PAXORA tightens both ends of the flow.

T+0 · 09:41:02CartOrder #48213 · 3 itemsCreated

T+0 · 09:41:06CheckoutCard, wallet, pay later, bankMethod chosen

T+0 · 09:41:07AuthoriseRouted to best-approving acquirerApproved 0.8s

T+0 · 18:00:00CaptureOn shipment confirmationCaptured

T+1 · 06:00:00Payout€186.50 → merchant accountPaid out

Money flow · checkout → payoutIllustrative timings

The challenge

01False declines at the last step.One acquirer, one risk model — good orders get rejected at payment.

02Local methods missing.Shoppers abroad leave when their preferred way to pay isn't there.

03Cash stuck in transit.Multi-day settlement ties up working capital needed for stock.

How PAXORA solves it

01Smart routing on every authorisation.Each payment goes to the processor most likely to approve it, with automatic retries.

02One checkout, every method.Cards, wallets, bank payments and pay-later behind a single integration.

03Next-day payouts.Reconciled settlement to your account, with every fee itemised per order.

Illustrative outcome+3.2ptshigher authorisation rate after enabling smart routingSample figure

Modules in this flow

Payment Processing Payment Orchestration Settlement layer

Talk to an e-commerce specialist →

— 02 / Stack

Different flows.

The same four layers.

Explore the platform →

Every industry runs on API, Routing, Processing and Settlement. What changes is the work each layer does.

Layer	E-commerce	SaaS	Marketplaces	Institutions	Enterprise
01API	One call creates the order payment	Meter usage, manage plans	Onboard sellers, define splits	Accept structured messages	One API across regions
02Routing	Best-approving acquirer per card	Retry on the right day and rail	Route shares to each seller	Choose instant or batch rail	Pick provider per entity
03Processing	Authorise, capture, protect	Card updater, recovery	Escrow until delivery	Validate and screen	Approvals and limits
04Settlement	Next-day reconciled payouts	Revenue on the ledger	Conditional seller payouts	Post to core, EOD statement	Consolidate and sweep

Not on the list? Rename the four layers for any money flow — capture, categorise, reconcile, report.

◆ Open a new file

Map your money flow with us.

Bring your checkout, your renewals or your entity chart. We'll show you the path through PAXORA.

Talk to our team

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