Route every payment to your best acquirer — without changing your code.
PayVizio orchestrates gateway1, gateway2, gateway3, gateway4, and more behind one integration. Lower MDR, higher success rate, zero PCI-DSS scope.
Comparable orchestration depth to Juspay · Stripe-style developer experience · India-resident data.
Why PayVizio
Three reasons teams move off a single gateway
Single-gateway dependency caps your success rate, locks your MDR, and pulls you into PCI scope. Orchestration breaks all three.
Higher success rate
Health-aware routing scores acquirers in real time on success rate, latency, and circuit state — every transaction goes to the one most likely to succeed.
Lower payment cost
Split volume across acquirers by BIN, geography, amount band, or method. Move share to whoever quotes the lowest MDR — without re-integrating.
Zero PCI-DSS burden
Card data never touches your servers or ours. Card flows redirect to the acquirer's hosted page; you stay fully out of PCI-DSS scope.
Platform
Everything you'd otherwise stitch together yourself
One platform for orchestration, checkout, reconciliation, settlement, refunds, webhooks, and risk.
Smart routing engine
Weighted split with health-aware scoring, auto-failover on circuit open, and per-acquirer fallback chains.
Rule-based routing
Route by BIN, geography, amount band, time of day, or payment method — priority-ordered, A/B testable.
Hosted checkout
PayVizio-branded page with UPI Intent/Collect/QR, cards, netbanking, wallets — no acquirer branding leaks.
Reconciliation engine
Parses every gateway's settlement file, matches against the ledger, flags discrepancies, auto-adjusts.
Settlement & payouts
Daily cycle with gross / refund / chargeback / MDR / GST / TDS breakdown. Instant settlement on demand.
Refunds & chargebacks
Idempotent partial or full refunds. Full chargeback lifecycle with evidence upload and deadline tracking.
Signed webhooks
HMAC-SHA256 signed, idempotent (Redis + DB), retry queue, per-merchant URLs, replay from dashboard.
Risk & fraud rules
Velocity rules, BIN and geo intelligence, ML scorer hook. Configurable per merchant.
Sandbox parity
`pvz_test_*` keys hit the same orchestrator as live. Test mode is isolated and toggled in one click.
How it works
From SDK call to settled merchant in four steps
Integrate once
Drop in our SDK or call the REST API. One integration covers every acquirer we support — now and later.
Customer pays
Customer hits your checkout — UPI Intent, Collect, QR, cards, netbanking, or wallets — on a PayVizio-branded page.
Smart-routed
The routing engine picks the best acquirer using live health scores, your rules, and configured weights.
Settled & reconciled
Funds settle to your bank on the daily cycle. Reconciliation runs automatically. Webhooks fire signed events.
Payment methods
Every method your Indian customer expects
Card data never touches PayVizio — card flows redirect to the acquirer's hosted page. UPI, netbanking, and wallets are intent or redirect-based.
UPI Intent
Deep-link to UPI app
UPI Collect
VPA entry, polled
UPI QR
Dynamic QR, terminal status
Cards
Redirected to acquirer page
Net Banking
Bank picker + redirect
Wallets
PhonePe, Paytm, Mobikwik
Acquirers
One integration. Every major Indian acquirer.
Adding a new acquirer to your routing is a dashboard change, never a code release.
Built for developers
Stripe-style DX, India-payment depth.
REST API with an OpenAPI spec, SDKs for every major runtime, signed and replayable webhooks, and a sandbox that hits the same orchestrator as live.
Plugins for Shopify and WooCommerce. Payment Links for no-code checkout.
// One integration, every acquirer
import { Payvizio } from "@payvizio/node";
const pv = new Payvizio({ apiKey: process.env.PVZ_SECRET });
const order = await pv.orders.create({
amount: 49900, // ₹499.00 in paise
currency: "INR",
customer: { email: "buyer@example.com" },
// routing handled server-side via your rules
});
// Redirect customer to the hosted checkout
return Response.redirect(order.checkout_url);Security & compliance
RBI-aligned, India-resident, PCI out-of-scope by design
Card data never touches PayVizio. Secrets are AES-GCM encrypted at rest (KMS-pluggable). API keys carry IP allow-lists, state-changing calls are HMAC-signed, and all logs are redacted.
- PCI-DSS out-of-scope merchant flows
- AES-GCM secret encryption at rest
- API key IP allow-list (CIDR)
- HMAC request signing
- Sensitive data redacted in logs
- India data residency
Standards we align to
PCI-DSS
Redirect flows — merchant out of scope
RBI
Tokenization-ready posture
Security program
Encryption, IAM, audit logging
Privacy
India residency & DPDP-aware practices
We describe alignment and controls here; formal certifications and attestations are disclosed only when issued and current.
FAQ
The questions teams ask before switching
Quick answers below — browse the full FAQ for integration detail, webhooks, reconciliation, and more.
Do I need PCI-DSS certification to use PayVizio?+
For standard redirect and hosted flows, card data does not touch your servers or PayVizio's servers in a way that expands PCI scope like raw PAN entry on your domain would. UPI, netbanking, and wallets follow redirect or app intent patterns. Your acquirer remains responsible for card authorization UI where applicable; always confirm scope with your QSA for your exact integration pattern.
Can I switch or add acquirers without changing my code?+
Yes. PayVizio sits between your application and your connected acquirers. Enabling or prioritizing an acquirer is primarily a configuration change in the merchant dashboard (subject to your contracts and onboarding with each acquirer). Your checkout integration and API surface stay the same.
How do refunds work?+
Refunds are asynchronous, idempotent, and support full or partial amounts. You call one refunds API; PayVizio routes the refund to the original acquirer and emits signed webhooks when the refund reaches a terminal state. Partial refunds update the remaining refundable balance on the payment.
Is there a real test mode?+
Yes. Test API keys use the same orchestration paths as live with isolated data — no real money moves. Use test keys in staging, drive test transactions through sandbox acquirer behavior, and validate webhooks before rotating to live keys.
When do funds settle to my bank?+
Settlement cadence follows each acquirer's cycle and your agreement with them; PayVizio surfaces gross amounts, fees, refunds, chargebacks, and tax components in reporting. Standard settlement is typically on a daily reconciliation cycle with downloadable breakdowns. Instant or on-demand settlement may be available where supported — fees and eligibility vary.
How is pricing structured?+
Pricing is generally a platform fee per successful transaction on top of acquirer MDR, with tiers that improve at volume. There is typically no large upfront setup fee for standard integrations. Exact quotes depend on your payment mix, volumes, and support tier — see our payment gateway page for public anchors or request a demo for a tailored proposal.
Explore
Payment Gateway & Habit Money
Gateway partnerships
TSP-ready platform for payment gateways
Merchant Dashboard, API documentation, and custom checkout are live — built for technology service provider integrations with gateways and acquirers.
Merchant Dashboard
Onboard merchants, monitor transactions, settlements, and operations from a single console.
dashboard.payvizio.com →API documentation
Integration guides, authentication, webhooks, and API reference for gateway and merchant integrations.
docs.payvizio.com →Custom checkout
Hosted and customizable checkout experiences aligned with your brand and gateway routing rules.
Learn more →Devstudio
A developer portal for the PayVizio platform
API docs, integration recipes, and live platform health — built for the engineers integrating PayVizio into production.
AI-powered search across every guide and reference
Ask in plain English — "how do I capture a partial refund?" — and Devstudio surfaces the right endpoint, code sample, and webhook signature.
Real-time API health
All systems operationalPayments API
ap-south-1
112 msSettlement Ledger
ap-south-1
89 msWebhooks Delivery
ap-south-1
143 msRouting Engine
multi-region
47 ms
Technology & Infrastructure
Designed for scale and reliability
Microservices, event-driven processing, and a consistent ledger model. Built to run on Kubernetes with managed databases and message queues.
- API-first orchestration with idempotent transaction handling
- Event-driven processing and message queues
- Horizontal autoscaling and containerized workloads
- Ledger consistency and audit trails
- Webhook delivery and retry semantics
- Multi-PSP routing and smart retries
Built on Cloud Infrastructure
GCP-native for production workloads
Kubernetes, managed databases, pub/sub, and caching — the same stack that runs our payment and consumer products.
GKE
Kubernetes cluster for containerized microservices
Cloud SQL
Managed PostgreSQL for transactional and reporting data
Pub/Sub
Event streaming and async processing
Redis
Caching, rate limiting, and session state
Security & Compliance
Enterprise-grade controls
Encryption in transit and at rest, IAM-based access, audit logging, and compliance-aware design for regulated environments.
Platform Roadmap
What's coming next on the PayVizio platform
Five expansion areas targeting the white-space in Indian and cross-border payments — each designed to plug directly into the orchestration core.
White-Label Infrastructure
Build branded payment platforms on PayVizio rails
A white-label canvas for fintechs, retail conglomerates, and SaaS platforms to launch their own payment products on PayVizio's backend.
- Unified API across PSPs under your brand
- Co-branded merchant dashboards
- Tenant isolation & per-brand routing
Cross-Border & FX
Local currency accounts for Indian exporters
USD, GBP, EUR collection accounts so exporters and marketplaces receive funds without heavy FX markups, with FIRA-grade documentation.
- Multi-currency virtual accounts
- Transparent FX with mid-market spreads
- Instant settlement certificates
Embedded B2B Finance
Payouts inside ERPs like Tally and SAP
Native integrations with 1,000+ ERPs to automate vendor payouts and bill reconciliation inside the finance team's existing software — no CSVs.
- Bill-Connect for AP automation
- Auto-reconciled vendor payouts
- Two-way sync with ledger systems
Sonic Checkout
Passkey 1-click & success-rate aware nudging
Biometric authentication and real-time smart nudging that surfaces the payment method currently showing the highest success rate.
- FaceID / TouchID Passkey auth
- Live success-rate ranking per method
- 1-click pay across devices
Enterprise Control Center
One view across regions, segments, and gateways
A unified dashboard that gives finance, ops, and risk teams a single view of commerce — designed to cut reconciliation effort by 70%+.
- Cross-gateway transaction view
- Region and segment drill-downs
- Anomaly alerts and audit trails
Ready to route smarter?
Request a demo or grab sandbox keys and integrate in an afternoon.