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Frequently asked questions
What PayVizio is and is not, how routing and onboarding work, and how to integrate. Open a section below or jump ahead using the topics list.
PayVizio is a payment orchestration platform: UPI, cards, net banking and wallets across multiple payment providers behind one integration. The answers below describe typical platform behavior; your contract, acquirer agreements, and integration choices may vary — confirm critical compliance and settlement details with your PayVizio contact.
About PayVizio
What is PayVizio?+
PayVizio is a fintech technology company. It builds payment orchestration across multiple payment gateways, and merchant onboarding with KYC/KYB verification, used by merchants, platforms, fintechs and payment providers.
Is PayVizio a payment gateway or payment aggregator?+
No. PayVizio provides payment orchestration technology that integrates with payment gateways, aggregators and banks. Payments are processed and settled by those providers under their own authorisations or bank arrangements; PayVizio does not hold merchant funds.
Payments and orchestration
How does routing work?+
You define rules on payment method, amount, merchant and provider weight; routing can also use recent provider success rates and configured cost. Provider health is tracked continuously and circuit breakers stop sending traffic to a failing provider. A what-if preview shows where a payment would go before you change rules.
What happens when a provider fails?+
A provider whose errors rise is taken out of rotation, and a payment that fails for a technical reason can be failed over to the next eligible provider according to your retry policy.
When do merchants get settled?+
Settlement is performed by the payment providers and banks a merchant contracts with, on their cycles. PayVizio records and reconciles settlements against its ledger; it does not settle funds itself.
Does card data pass through PayVizio?+
Card details are entered on payment providers' hosted pages, and PayVizio's APIs reject requests that carry raw card numbers.
How is PayVizio priced?+
Pricing depends on the products and volumes involved and on the providers a merchant uses, whose own charges apply. Talk to us for a quote.
Merchant onboarding and verification
Where do verification results come from?+
From partner verification providers, authorised data sources, official sources where applicable, and documents the merchant provides. PayVizio is not a government KYC authority, and a check is only recorded as verified when a real source confirmed it.
Which sanctions lists are screened?+
The UN Security Council consolidated list and maintained domestic lists. Possible matches go to a reviewer, and live merchants are re-screened when a list changes. Additional sources can be integrated through specialist providers.
Does website intelligence approve merchants automatically?+
No. It produces evidence and risk signals for a person to review; the approval decision stays with the institution using the platform.
Integration
How are API requests secured?+
Server-to-server calls carry an API key plus a timestamp and HMAC-SHA256 signature over the request body; stale or altered requests are rejected. State-changing calls accept idempotency keys.
How are webhooks delivered?+
Events are signed, retried with back-off on failure, and moved to a dead-letter queue if they cannot be delivered.
Where is the API documentation?+
At docs.payvizio.com.