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.
□ 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.
□ 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.
□ 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.
□ 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.
□ 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.
□ 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.