/ Card Processing
Accept every major card with intelligent routing.
Visa, Mastercard, Amex, Discover, JCB, UnionPay — routed in real time through the acquirer most likely to clear. Customers see, on average, +11.4% in authorization rate within 30 days.
- 94.8% average auth rate across the network
- Network tokens & account updater on by default
- Adaptive 3DS — challenge only when needed
- Apple Pay & Google Pay included
/ Authorization
Peak-Routed authorizations.
Every charge is scored in real time and routed through the acquirer, MID, and 3DS path most likely to clear. On average, merchants see an 11.4% lift in authorization rate within the first 30 days.
- Multi-acquirer routing across Visa, Mastercard, Amex, Discover, JCB, UnionPay
- Adaptive 3DS — challenge only when network signals say to
- Smart retry on soft declines with retry-after windows
- Network tokens & account updater on by default
/ Fees
Interchange-plus, unbundled.
You see exactly what each card costs. Interchange and assessment fees are passed through at cost, with a transparent PayVeta margin starting at 0.30% on the Scale plan.
- No tiered pricing surprises
- No PCI compliance fees
- Real-time interchange optimization (Level 2 & 3 where eligible)
- Monthly statements that match your accounting GL
/ Tokenization
Your vault, portable.
Card data is tokenized in our HSM-backed vault and never touches your servers. Tokens are portable across acquirers and MIDs — so you can scale, switch, or split traffic without ever re-prompting a customer.
- PCI DSS Level 1 service provider
- Token portability across acquirers and MIDs
- Apple Pay & Google Pay decryption included
- Network tokens for Visa, Mastercard, Amex
/ security & compliance
Your card data
never touches your servers.
PayVeta is a Level 1 PCI service provider. Sensitive cardholder data is tokenized in our HSM-backed vault and replayed against any acquirer in our network — so you can switch processors without re-prompting a single customer.
- AES-256 at rest, TLS 1.3 in transit, HSM-protected keys
- Continuous attack-surface monitoring & quarterly pen-tests
- Role-based access with hardware-key 2FA enforced for admins
- Vault tokens portable across MIDs — no vendor lock-in
/ faq
Card processing questions
01 Which card brands do you support?
Visa, Mastercard, American Express, Discover, JCB, UnionPay, and select regional networks. Apple Pay and Google Pay supported out of the box.
02 How are authorization rates measured?
We compute auth rate as approved authorizations divided by total non-fraudulent attempts. Soft and hard declines are tracked separately so you can tune retry behavior.
03 Do you support Level 2 / Level 3 data?
Yes. Eligible B2B transactions are automatically enriched with Level 2/3 data to qualify for interchange discounts.
04 Can I run my own acquirer alongside PayVeta?
On the Custom plan, yes — bring your own acquirer, ISO, or NAR relationship and we'll route between them with the peak-routing engine.
Lift your authorization rate. Within 30 days.
Most merchants see +6 to +14 points after migrating to PayVeta's peak routing.