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◆ Solutions

Six ways to move money.

One infrastructure underneath.

Each solution is a different path through the same four layers — so what you launch next reuses everything you have already built.

01 / 06 · Payment Processing

Accept every way your customers pay.

Cards, wallets, bank payments and local methods share one payment object — from the first authorisation to the last partial refund.

Payment lifecycle · pay_7Rk3401Example data
01 ✓Created€340.00
02 ✓Authorised09:12:44
03 ✓Captured09:12:45
04Partially refunded−€120.00
05Refunded€220.00 left
03aDisputedIf the cardholder disputes
03bEvidence sentAuto-filled from order
03cWon · LostLedger adjusts either way
Refund ref_2291Succeeded
€120.00 refundedof €340.00 captured

□ Problem

Each payment method arrives with its own statuses, its own refund rules and its own report. Support can't answer "where is my refund?" without opening three dashboards.

■ Approach

PAXORA models every method as the same lifecycle. Authorise, capture, refund and dispute are state changes on one object, each written to the ledger as it happens.

□ Benefits

One lifecycle

The same statuses and webhooks for every method you add.

Refunds without tickets

Full, partial and multi-step refunds from the API or dashboard.

Disputes in context

Evidence is pre-filled from the order and payment history.

□ Use cases

Online checkout

In-app payments

Subscriptions

Pay-by-link

Delayed capture for shipped goods

02 / 06 · Cross-Border Payments

Pay and get paid in local currency.

Collect and pay out across markets on local rails, with the rate and the arrival time known before you press send.

□ Problem

Correspondent chains add days, hidden spreads and fees that only appear on the statement. Finance can't forecast what will land.

■ Approach

Each corridor is priced up front and routed to a local rail where one exists. Quotes lock before conversion, and every leg is tracked.

You send

USD 50,000.00

→

They receive

SGD 67,140.00

Rate locked30s
CorridorRailMid-marketYour rateFeeArrives
USD → SGDLocal transfer1.34481.34280.15%Same day
USD → EURInstant credit0.92140.91980.17%Seconds
GBP → EURInstant credit1.18621.18430.16%Seconds
EUR → BRLInstant local6.18206.16350.30%Same day
USD → MXNLocal transfer18.40218.3570.25%1 day
USD → AEDWire3.67253.66330.25%1–2 days
Illustrative rates — not quotes

□ Benefits

60+

Corridors · Illustrative

30 s

Quote lock · Configurable window

Every leg

Tracking · Status per hop

□ Use cases

Supplier payments

Global payroll

Marketplace seller payouts

Multi-currency collection

Treasury conversion

03 / 06 · Embedded Finance

Financial products inside your product.

Accounts, cards and wallets under your brand — composable APIs underneath, ready-made components on top that take your tokens, not ours.

Component spec · BalanceCard
Your brandEUR

Available balance

€38,920.40

SendAdd funds
  1. 1--brand-font
    Your display typeface
  2. 2--brand-accent
    #477CFF
  3. 3--radius-card
    14px
  4. 4--action-style
    Solid · ghost
A white-label balance card: four tokens control font, accent colour, radius and button style. Try the swatches to re-theme it.Sample component

□ Problem

Building accounts or cards means licences, bank partners, ledgers and compliance tooling — years before the first customer sees a balance.

■ Approach

Use PAXORA's accounts, cards and ledger as building blocks, with partner institutions behind them. Your product owns the experience.

□ Benefits

+ New revenue from interchange and balances

+ Launch in weeks, not years

+ Components that match your design system

□ Use cases

Business accounts in vertical SaaS

Expense cards

Creator wallets

Instant seller balances

04 / 06 · Payment Orchestration

Many processors. One integration.

Default LiveTest rules
P1IF method = local AND country in [BR, MX]→ Local rail
P2IF amount > 5,000→ Highest approval
P3IF card.region = EU→ Acquirer A
fallback B
P4IF decline = soft→ Retry next path
P5CAP Acquirer C at 20%→ Paused
Backtestlast 10,000 payments+1.8 pts approval−0.03% avg. cost0 code changes
A rules editor: five prioritised routing rules — local rail for local methods, best approval for high values, a primary and fallback acquirer for EU cards, automatic retry on soft declines, and a paused volume cap — with a backtest summary.Illustrative backtest

□ Problem

One processor is a single point of failure. Adding a second usually means a second integration, a second reconciliation and a team to maintain both.

■ Approach

Connect processors once behind PAXORA. Rules decide where each payment goes; product and finance change them without a deploy.

□ Benefits

+ Higher approval through retries and routing

+ Negotiating leverage across providers

+ Failover when a provider degrades

□ Use cases

Multi-acquirer setups

Regional acquiring

Provider migration

Cost optimisation

Outage failover

05 / 06 · Financial Automation

Reconciliation that runs itself.

Every bank line is matched to the payments, fees and refunds behind it — one to one, one to many, or flagged for a human with the reason attached.

Bank statement · NorthbankPAXORA ledger
€408,751.20Credit · STL-1107-EUR
1:1
Settlement batch STL-1107-EUR
1,284 payments · fees itemised
€12,400.00Credit · ref INV-2291
1:3
Invoice INV-2291€8,000.00
Invoice INV-2292€3,600.00
Invoice INV-2295€800.00
−€84,200.00Debit · payout run 45
1:1
Seller payouts · run 45
212 transfers · approved by finance lead
−€38.50Debit · bank charge
?
No ledger entry
Suggested: post to bank fees · 1 click
Reconciliation view: 248 bank lines, 246 matched automatically — including one deposit matched to three invoices — and two exceptions, such as an unbooked €38.50 bank charge with a suggested ledger account.Example data

□ Problem

Month-end means exporting statements, VLOOKUPs against processor reports and a week of chasing differences that are mostly fees and timing.

■ Approach

Because PAXORA created the payments, it already knows what each deposit should contain. Rules handle the rest, and approvals gate any payout above your thresholds.

□ Benefits

Close in days

Matching runs daily, so month-end is a review.

Audit trail by default

Every match, edit and approval is logged with who and when.

Synced accounting

Summarised journals post to your general ledger automatically.

Controlled payouts

Approval rules by amount, entity or counterparty.

□ Use cases

Daily cash reconciliation

Accounts payable runs

Marketplace payout approval

Fee and FX reporting

06 / 06 · Banking Infrastructure

Core banking rails, as an API.

Virtual accounts, a double-entry ledger and connections to payment rails — the foundation for products where you hold and move money for others.

Account structure

Main account · EUR€2,418,600.00
Entity · EU BV€2,020,250.00
VA · Customer funds
DE•• •••• •••• 2048
€1,204,000.00
VA · Seller reserves
DE•• •••• •••• 3117
€816,250.00
VA · Operating
DE•• •••• •••• 0442
€398,350.00

Journal · JE-58210

Customer deposit, then reserve sweep

#AccountDrCr
1VA · Customer funds12,000.00—
1Customer liability—12,000.00
2VA · Seller reserves1,200.00—
2VA · Customer funds—1,200.00

● Debits 13,200.00 = Credits 13,200.00

A virtual-account tree under one main account, and a balanced journal: a €12,000 customer deposit recorded against customer liability, then €1,200 swept from customer funds to seller reserves.Illustrative ledger · masked numbers

□ Problem

Holding funds for customers on a single pooled account turns every balance question into an investigation, and every audit into a project.

■ Approach

Give every customer, seller or purpose its own virtual account, and post every movement as balanced double-entry lines in real time.

□ Benefits

Balances you can prove

Each account's balance is the sum of its entries — nothing else.

Segregated by design

Separate customer, reserve and operating funds without separate banks.

Rails included

Receive and send on bank rails from the same accounts.

□ Use cases

Wallets and stored value

Escrow and reserves

Lending disbursement

Treasury sub-accounts

◆ Next step

Start with one solution. Keep the infrastructure.

Tell us what you want to launch first — we'll map it onto the four layers with you.

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