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Payments infrastructure

PayVizio Payment Orchestration

One integration across multiple payment providers, with routing you can see and control.

A payment orchestration and technology platform that sits between businesses and the payment providers they use. It abstracts payment methods, routes each transaction to a healthy provider by rules you set, fails over when a provider degrades, and keeps one lifecycle, one set of webhooks and one reconciled record across all of them.

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CHECKOUTUPICardNetbankingPayViziorouting engineGateway AHealthyGateway BHealthyGateway CDegradedPayment successful

The problem

What goes wrong without it

Built for d2c and ecommerce brands, merchants and platforms, fintechs.

01

One provider is a single point of failure

When a gateway or bank rail degrades, a single-provider integration has nowhere else to send the payment.

02

Every provider speaks a different API

Status codes, webhooks, refunds and settlement files differ by provider, and each new provider is a new integration project.

03

Routing decisions are invisible

Without per-provider health and success data, teams cannot tell why a payment went where it did or what a rule change would do.

See it work

Take a gateway down. Watch the traffic move.

Interactive illustration · not live data

  • Gateway A

    Healthy
    55%

  • Gateway B

    Healthy
    30%

  • Gateway C

    Healthy
    15%

Next UPI payment

Gateway A

Routed by your rule for this payment method.

Real routing uses the rules, weights, health signals and cost settings you configure per merchant.

How it works

From request to outcome

How a payment is routed
  • Merchant / platform
  • PayVizio API

Routing engine

Integrated payment providers (gateways, aggregators, bank rails)

  • Provider A
  • Provider B
  • Provider C
  • Provider D
Transaction lifecycle
  1. Create payment (idempotent)
  2. Evaluate routing rules
  3. Check provider health
  4. Send to provider
  5. Fail over if degraded
  6. Webhook normalised
  7. Ledger and reconciliation

Capabilities

What you get

Connectivity

  • Multi-provider connectivity

    Adapters for multiple Indian payment gateways and aggregators behind one API; providers are activated per merchant under the merchant's or partner's agreements.

  • Payment method abstraction

    UPI (intent and QR), cards, net banking and wallets as one payment object, whichever provider processes it.

  • New provider onboarding

    Integration capability: Built as an integration point; activated per partner or customer engagement.

    Additional gateways, aggregators and bank rails integrated per partnership.

Smart routing

  • Rule-based routing

    Route on method, amount, merchant, provider weight and other attributes, with priority and weighted splits.

  • Success-rate and cost signals

    Routing can take recent provider success rates and configured cost into account.

  • Provider health monitoring

    Per-provider health tracking with circuit breakers that stop sending traffic to a failing provider.

  • Cascading failover and retries

    Retry policies and failover to the next eligible provider when one declines for technical reasons or is unavailable.

  • What-if routing preview

    See which provider a payment would be routed to under the current rules before changing them.

Lifecycle, data and operations

  • Idempotency

    Idempotency keys on payment creation so client retries never create duplicate charges.

  • Webhook processing

    Provider callbacks verified per provider and normalised into one webhook format, with retries and a dead-letter queue.

  • Transaction tracking

    A single state machine and audit trail for every payment, refund and chargeback.

  • Reconciliation and reporting

    Ledger entries, settlement matching and exports across providers.

  • Merchant dashboard and analytics

    Payments, refunds, settlements, routing and provider performance in one dashboard.

Scope and responsibilities

  • PayVizio provides payment orchestration technology. Payments are processed and settled by the payment aggregators, gateways and banks the merchant contracts with; PayVizio does not hold merchant funds.

FAQ

Frequently asked questions

How does PayVizio payment routing work?

Merchants define routing rules on payment method, amount, merchant and provider weight. Routing can also take recent provider success rates and configured cost into account, and provider health is tracked continuously.

What happens when a payment gateway goes down?

A degraded provider is taken out of rotation by circuit breakers, and a payment that fails for a technical reason can be failed over to the next eligible provider under the merchant's retry policy.

Which payment methods does PayVizio support?

UPI (intent and QR), cards, net banking and wallets, abstracted as one payment object regardless of which provider processes the payment.

How is PayVizio integrated?

Through REST APIs with HMAC-signed requests and idempotency keys, plus signed webhooks. Documentation is at docs.payvizio.com.

Does PayVizio reconcile payments across gateways?

Yes. Ledger entries, settlement matching and exports are kept across providers, so payments, refunds and settlements can be tracked in one place.

Talk to us about Payment Orchestration

Tell us about your use case; we will walk you through the platform and what an integration involves.

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