Why PayVizio
We're not another gateway. And we're not Juspay either.
PayVizio is a payment orchestration platform built for the middle 90% of Indian merchants — the ones that have outgrown a single gateway but can't justify a six-figure rollout with a legacy orchestrator. Here's exactly how we're different from what you're currently using.
The landscape
There are three kinds of payment infrastructure in India
Each solves a different problem. Most merchants pick the wrong category for the stage they're at.
Single-gateway providers
e.g. Razorpay, Cashfree, PayU direct, CCAvenue
One acquirer means one success rate, one MDR, one outage. When the gateway is down or its UPI rail is degraded, your checkout is degraded.
Traditional orchestrators
e.g. Juspay-style routing layers
Powerful but heavy: long integrations, opaque routing logic, enterprise-only pricing and onboarding. Most merchants below ₹10Cr/month can't get in the door.
International orchestrators
e.g. Spreedly, Primer, Stripe
World-class developer experience, but minimal India coverage. UPI, RBI tokenization, India settlement files, and Indian acquirer-specific quirks aren't first-class.
Where PayVizio sits
The depth and routing of an orchestrator, the onboarding and pricing of a modern gateway, the developer experience of a Stripe — built specifically for Indian rails. No enterprise contract required to start.
Side by side
The honest comparison
Where the category differs, in plain English. We've avoided naming individual competitors — the differences are structural, not vendor-specific.
| Feature | Single-gateway | Traditional orchestrator | PayVizio |
|---|---|---|---|
| Acquirers covered with one integration | One | Many — usually enterprise-only | PayU, JioPay, OnePay + more — every merchant |
| Routing transparency | N/A | Black-box ML | Rule editor + health-aware scoring you can read |
| PCI-DSS scope on the merchant | Often yes (SAQ-A or higher) | Depends on integration mode | Out-of-scope — card flows redirect to acquirer page |
| Fund custody | Usually held by aggregator | Varies | No custody — acquirer settles directly to your bank |
| Reconciliation across acquirers | Per-gateway only | Yes — usually a separate product | Built-in, auto-matched, discrepancy flagged |
| Time to first live transaction | Days | Weeks to months | Hours with sandbox parity |
| Pricing model | MDR-based, single quote | Enterprise contracts | Free tier + flat per-txn fee on top of acquirer MDR |
| Test mode | Often a separate environment | Mock or staging | `pvz_test_*` keys hit the same orchestrator as live |
| Webhook reliability | Per-gateway implementation | Yes | HMAC-signed, idempotent, retry queue, replay UI |
Comparison reflects the typical implementation in each category as of 2026. Individual products in each category may differ on specific rows.
What we do differently
Seven choices that change the math
1. Acquirers are configuration, not engineering
Adding PayU, JioPay, OnePay, or other connected acquirers to your stack is a dashboard switch. Single-gateway providers can't do this. Traditional orchestrators can, but usually behind months of integration. We ship the integration once and let you toggle acquirers from a UI.
2. Routing you can actually read
Most orchestrators hide routing behind ML so opaque that finance teams can't predict cost or success rate. Our rule engine is plain: priority-ordered conditions on BIN, geography, amount, time, and payment method, plus a weighted split and live health scoring. You can read the decision a transaction made and why.
3. PCI scope is a product decision, not an integration trap
Many gateways pull merchants into PCI-DSS scope the moment card data touches their servers. Our card flow is redirect-only — card data never crosses PayVizio or the merchant. Merchants stay PCI out-of-scope by design, not by accident.
4. No fund custody
We don't sit on your money. Settlement runs acquirer → your bank, with PayVizio enriching the books and reconciling at the end of the cycle. That keeps the regulatory surface, the credit risk, and the float exactly where they belong.
5. Reconciliation is core, not a paid add-on
Traditional orchestrators sell reconciliation as a separate product. We treat multi-acquirer recon as table stakes — gateway files parsed, ledger-matched, discrepancies flagged automatically, on every plan including free.
6. Developer experience built like Stripe
OpenAPI spec, SDKs for Node / Go / Java / iOS / React Native / browser, signed and replayable webhooks, an API Playground, and a sandbox that hits the same orchestrator as live. The integration looks like the dev experience you wish you had.
7. India-first, not India-adapted
UPI Intent / Collect / QR are first-class. RBI tokenization is wired in. Indian settlement formats are parsed natively. India data residency. We didn't bolt India onto a Western product — we built for India and added other geographies as future work.
What we're not
Things we don't claim to be
We'd rather be sharp on what we do than vague on everything. Here's where we'd point you elsewhere.
Not a card acquirer
We orchestrate across acquirers. We don't issue cards or directly acquire transactions — that's what our acquirer partners do.
Not a fraud product
We expose risk hooks and ship sensible defaults (velocity, BIN/geo, ML scorer hook). For specialist fraud needs, integrate a dedicated provider on top.
Not a checkout-conversion tool
Our hosted checkout is clean and fast, but we don't claim conversion uplift from UI tricks the way checkout-specialist products do.
Not a no-code product
Payment Links and plugins (Shopify, WooCommerce) exist, but the platform is built API-first. The real value is in the routing, recon, and reliability layer.
Who this is for
The right fit looks like this
- ✓Indian D2C, SaaS, or marketplace doing ₹50L+/month
- ✓On a single gateway today, feeling SR or MDR ceiling
- ✓Wants reconciliation that doesn't take a finance hire
- ✓Engineering team that values clean APIs and real sandbox parity
- ✓Compliance-aware — wants to stay out of PCI scope
Not the right fit
When to look elsewhere
- –Pre-revenue, no traffic yet — pick any single gateway and revisit at ₹50L/month
- –Need a checkout-conversion product (UI experiments, address autofill optimisations)
- –Need specialist card-not-present fraud beyond rule-based velocity
- –Need full international acquiring out-of-the-box
Want a no-fluff walkthrough?
30 minutes. Your current stack, your real success rates, where orchestration would move the needle. No slides.