Stop losing revenue to declined cards.
Route every transaction through the optimal acquirer in real time. Multi-provider failover, native 3DS, and 72-hour go-live — built for businesses that refuse to accept a 90% authorization rate.
Routing across the acquirers your customers already trust
The problem
One acquirer means one set of declines —
and that's costing you 7-figure revenue.
Most African and emerging-market merchants ship with a single PSP because integration is painful. Then the bank goes down, BIN routing fails, or 3DS frictions tank conversion — and there's no fallback. Every percentage point of authorization is real money walking out the door.
12-18%
Average decline rate
on first-attempt cross-border card payments without intelligent routing.
6-14 wks
Single-PSP integration time
before going live — and another rebuild every time you add a new acquirer.
24-72 hr
Settlement delays
on bank holidays, weekends, and reconciliation errors that nobody monitors.
Do the math
Every 1% of declined transactions = revenue that never recovers.
A merchant processing $10M/yr at an 88% authorization rate leaves $1.2M on the table. Lift that to 96% and the same business prints an extra $800,000 with zero new ad spend. You don't need more traffic. You need transactions that actually clear.
The fix
One integration. Every major acquirer. Real-time intelligent routing.
EuPPay sits between your checkout and the network. We score every transaction against BIN data, historical decline patterns, and acquirer health — then route it where it's most likely to succeed. When one bank wobbles, the next one catches the ball.
Smart multi-acquirer routing
Route to the optimal acquirer per BIN, currency, and historical success — with automatic retry on a sibling provider when the first attempt declines.
Native 3DS 2.2 + frictionless flow
Step-up only when issuer risk demands it. Frictionless authentication on the rest. Liability shift without the cart abandonment.
One REST API, every provider
Initialize, capture, refund, void — same JSON shape across CyberSource, MPGS, Paystack, Paydock, Paychtec. No re-platforming when you add a new acquirer.
Real-time analytics + alerts
Watch authorization rate, settlement velocity, and per-acquirer health move in seconds — not next-day spreadsheets.
Built-in reconciliation
Bank settlement files matched line-by-line against your captured volume. Find missing payouts before your CFO does.
Order bumps & post-purchase upsells
Stored-credential checkout for one-click upsells, subscription rebills, and AOV-lifting bundles — all PCI-compliant.
Go-live in 72 hours
Three steps from sign-up to first cleared payment.
-
01
Apply & verify
Submit your KYC documents. Our compliance team reviews within one business day.
-
02
Drop in the SDK
Replace your existing checkout call with a single endpoint. Test cards work immediately.
-
03
Go live & watch ARR climb
Flip a switch in the dashboard. Smart routing engages automatically — no code changes.
# 1. Initialize a payment — same call across every acquirer
curl -X POST https://api.euppay.com/v1/payments/initialize \
-H "Authorization: Bearer $API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 4999,
"currency": "KES",
"reference": "ord_42f7",
"customer": { "email": "ada@startup.io" },
"routing": "smart"
}'
# 2. Receive a hosted-checkout URL — drop into a redirect or iframe
{ "checkout_url": "https://pay.euppay.com/c/ord_42f7", "reference": "ord_42f7" }
# 3. Webhook fires when the transaction settles
POST /your-webhook
{ "event": "payment.captured", "acquirer": "cybersource", "auth_rate": 0.947 }94.7%
Average authorization rate
across active merchant accounts
$420M+
Annualized processed volume
across multiple regions
99.99%
Platform uptime
24-month rolling SLA
72hrs
Median go-live time
from KYC approval to first capture
Operators in the trenches
What teams that already switched are saying.
We added two extra acquirers in a single afternoon. Authorization on Visa rose from 86% to 94% in the first week. That's seven figures of recovered revenue annually.
Reconciliation used to take three people two days a week. The settlement-matching dashboard collapsed it into a 20-minute morning review.
The 3DS frictionless flow is the real unlock — we kept the liability shift without the abandoned-cart penalty we used to absorb.
Side by side
What changes when you stop running on a single PSP.
Pick your lane
Two ways to start. Both kill the integration tax.
Self-serve
Start free in minutes
For SMBs and startups under $1M/mo in volume. No setup fees, no monthly minimums.
- From 1.4% + 20¢ per successful transaction
- All acquirers + smart routing included
- Test mode + production keys on day one
- Self-serve KYC, approved within 24 hours
Enterprise
Volume-tier pricing
For platforms processing $1M+ monthly. Custom rates, dedicated solutions architect, named SLA.
- Interchange-plus pricing as low as 0.4%
- Dedicated routing rules + bespoke acquirer mix
- Sandbox provisioned in under 4 hours
- 99.99% uptime SLA + named incident commander
Compare full pricing on the pricing page or read the API documentation.
FAQ
The questions every CTO asks before switching.
- Median go-live for a self-serve merchant is under 72 hours from KYC approval. Enterprise integrations with custom routing rules typically ship in 5-10 working days, including UAT against your acquirer accounts.
- No. We have direct integrations with the major acquirers and can route across them on a single contract. If you already have preferred bank relationships, we plug those in too — your existing MIDs continue to settle directly to your accounts.
- PCI DSS Level 1 service provider. Card data is tokenized at the edge — your servers never touch a PAN. We also handle 3DS 2.2 challenge orchestration, including frictionless authentication where the issuer allows it.
- Smart routing detects acquirer health in real time. A degraded provider is automatically removed from the routing pool until it recovers, and pending transactions are retried against a healthy sibling — usually within milliseconds.
- Yes. Self-serve sandbox keys are issued the moment you create an account; enterprise prospects get a provisioned sandbox during the first call. Test cards include 3DS challenge, 3DS frictionless, and hard-decline scenarios.
- All flows use the same JSON shape regardless of underlying acquirer. Refunds settle on the original acquirer's timetable; disputes route into a unified queue with evidence-upload templates pre-filled from transaction metadata.
Stop subsidizing declined cards.
Open an account in the next five minutes, paste in your test keys, and watch the authorization rate climb in your dashboard before the week is out.