Layer 01API

One request for every money movement.

Payments, payouts, refunds and transfers are one family of objects. Learn the shape once and every new money movement is a parameter, not a new integration.

• Unified objectsOne schema and one status vocabulary across every movement type.
• Idempotent by defaultRetry any request safely — the same key never moves money twice.
• Signed webhooksEach state change is delivered as an ordered, signed event.
• Versioned releasesPin a version and upgrade on your own schedule.

# Fictional example API
curl https://api.paxora.example/v1/payments \
  -H "Idempotency-Key: 7f3c-2048" \
  -d amount=124000 \
  -d currency=EUR \
  -d route=smart \
  -d settle_to=acct_main

Layer 02Routing

Send each payment down its best path.

Before a payment leaves PAXORA, every eligible processor is scored on live approval data, cost and latency. If the first attempt soft-declines, the next path is already chosen.

• Live approval dataScores update continuously by card type, issuer country and amount.
• Cost-awareWeigh approval likelihood against fees with one adjustable bias.
• Automatic retriesSoft declines cascade to the next path within the same request.
• Rules you ownPin traffic, cap volume or exclude providers per market.

1. Attempt 1Acquirer BSoft decline · 05212 ms
2. Attempt 2Acquirer AApproved164 ms
3. StandbyLocal railNot needed—

Layer 03Processing

Authorise, capture and protect.

Risk scoring, customer authentication and authorisation run as one sequence inside a single request — so fraud checks never add a second round trip.

• Risk scoringEvery payment is scored before authorisation, with rules you can tune.
• Strong authenticationChallenge customers only when the risk or the market requires it.
• Flexible captureCapture instantly, later, or in parts as orders ship.
• Refunds & disputesFull and partial refunds, with dispute evidence in one place.

1. 0 msReceivedpay_8Hx2048
2. 24 msRisk scored12 / 100 · low
3. 96 msAuthenticatedFrictionless
4. 182 msAuthorisedCode 00
5. T+0CapturedOn fulfilment

Layer 04Settlement

Reconcile funds to the cent, every day.

Each settlement batch is matched line by line against the payments that created it. Fees and FX are itemised, and every cent lands in the ledger with a reference you can trace.

• Daily batchesFunds settle on a predictable schedule per currency and account.
• Automatic matchingBank deposits matched to payments, fees and refunds without spreadsheets.
• Multi-currency balancesHold, convert and pay out from balances in each currency.
• Accounting exportPost summarised journals to your accounting system each day.