Payment orchestration software
ACH
Connect, route, and monitor payment providers from one platform
Manage PSP connections, merchant onboarding workflows, routing rules, webhooks, risk integrations, and analytics. Payment services are provided by the relevant licensed provider or merchant.
PCI DSSCompliant
Security-firstSecure
99.99%Uptime
GrowingBusinesses supported
ACH
Platform overview
Live platform
Conversion-ready checkout for modern merchants
Unified checkout
$4,280.00
USD
Card payments
Bank payments
ACH transfer
Wallets
RecurringSubscriptions and invoicing
Why businesses choose us
One technical layer for complex payment operations
Built for merchants and platforms that need integration, workflow, routing, and monitoring tools without taking custody of funds.
PSP connection management
Configure and manage multiple independent payment providers through a unified software interface.
- REST API, SDKs, and webhooks
- MID and provider configuration
- White-label gateway interface
Smart routing
Configure route selection, cascading, retry logic, and 3DS orchestration across connected licensed providers.
Onboarding workflows
Collect merchant information and documents, manage review states, and connect verification providers.
Monitoring and analytics
Apply risk rules, connect fraud-prevention tools, monitor transaction events, and analyze provider performance.
Payment methods
Popular payment methods across the U.S.
Support the ways customers already pay across e-commerce, subscriptions, invoicing, and in-person transactions.
Industries
High-risk business
Built for every type of business
E-commerce
Optimize conversion across checkout, wallets, and payment links.
SaaS & Subscriptions
Manage recurring billing, account updates, and retention flows.
Retail & POS
Unify online and offline payments under one reporting layer.
Professional Services
Collect deposits, invoices, and one-time payments faster.
Marketplaces
Support scalable payment flows for multi-party business models.
Mobile Apps
Embed modern payment experiences into native product journeys.
Integrations
Connect with the tools you already use
Deploy faster with platform integrations, a REST API, and ready-to-use SDKs for custom payment experiences.
View API Docs
Shopify
WooCommerce
Wix
QuickBooks
Xero
Salesforce
Security & compliance
Enterprise-grade security and compliance
Purpose-built controls for payments, verification, and operational risk management.
PCI DSS Level 1
Infrastructure aligned with strict card data security requirements.
Tokenization
Reduce exposure of sensitive payment data across your systems.
3D Secure, 2D Secure
Support authentication layers designed to reduce payment risk.
Real-time fraud monitoring
Review transactions with live checks and risk-aware controls.
End-to-end encryption
Protect data in motion across payment and platform workflows.
AML / KYC compliance
Support onboarding and verification with compliance-first processes.
How it works
A software layer between merchants and licensed providers
Merchant → Way To Payments technology platform → licensed PSP or acquirer → card scheme or payment method.
1. Configure
The merchant connects its accounts with licensed PSPs or acquirers and configures MIDs, credentials, payment methods, and rules.
2. Route
Our software sends payment requests to the merchant's selected licensed provider according to configured routing, cascading, retry, and 3DS rules.
3. Execute and settle
The licensed provider performs authorization, processing, acquiring, and settlement directly under its agreement with the merchant.
Funds statement: Customer funds do not enter, remain in, or get settled through Way To Payments or Platform VR Inc.
Software and licence boundary
What the platform provides
| Function | Software / technology model | Requires a financial licence |
|---|---|---|
| Merchant dashboard; API integrations; webhooks | Yes | No |
| Gateway / payment-request routing; multiple PSP integrations; smart routing | Yes, when funds do not pass through our company | No |
| Analytics, reporting, KYC document upload, merchant management, CRM, white-label software | Yes | No |
| Receiving or holding funds; settlements or payouts; Merchant of Record | No | Yes |
| Acquiring; issuing IBANs, wallets, cards, or e-money | No | Yes |
Available technology features include merchant registration, KYC workflow management, secure document upload, MID management, PSP integration management, payment-route selection, smart routing, cascading and retry logic, 3DS orchestration, fraud-prevention integrations, risk rules, transaction monitoring, reporting, analytics, REST APIs, SDKs, webhooks, white-label gateway interfaces, and merchant CRM and support tools. Funds are processed and settled by licensed partners.
Pricing
Technology service pricing
Pricing may include software subscriptions, platform access, API usage, implementation, and support. Licensed providers separately determine their regulated-service charges.
Platform plan
Custom
Based on integrations, API usage, implementation, and support requirements
- Software subscription or platform-access fee
- API usage and implementation options
- Enterprise support available
Social proof
Businesses trust our platform
“Setup took less than one day.”
“Provider routing and reporting are much easier to manage in one place.”
FAQ
Frequently asked questions
Clear answers about our software role and licensed third-party providers.
Are you a payment service provider?
No. We provide software and payment orchestration infrastructure. Payment processing, acquiring, fund settlement, and other regulated services are provided directly by licensed third-party partners.
Do you hold funds or process or settle payments?
No. Customer and merchant funds do not enter, remain in, or settle through our company. The relevant licensed provider executes payment processing and settlement.
Who provides acquiring services and performs KYC verification?
The merchant's selected licensed PSP, acquirer, financial institution, or verification provider performs those activities. Our platform supports document collection, workflow, and integration.
Can I connect multiple PSPs and use smart routing or cascading?
Yes. The platform supports multiple PSP connections, routing rules, cascading, retry logic, and related orchestration tools, subject to each provider's terms.
Do you provide merchant payouts or issue IBANs or wallets?
No. We do not provide payouts or issue IBANs, wallets, cards, or e-money. Those regulated services may be offered directly by appropriately licensed third parties.
Explore the platform
Build your payment orchestration layer
Connect licensed providers and manage routing, onboarding workflows, monitoring, and analytics in one technical platform.