Least-cost routing with automatic fallback: each payment goes to the cheapest eligible provider, based on the rates you set. Change a rate or add a provider in the dashboard and routing follows.
Routing decisions made in milliseconds, per transaction
Based on the rates you set for each provider
Add or remove providers without touching your checkout code
How does payFURL choose a provider for each payment?
It compares the rates you have set for each eligible provider and sends the payment to the cheapest one. The decision is made in milliseconds, for every transaction.
Where do the rates come from?
From you. You enter the rates for each provider in the dashboard, and payFURL shows your costs based on those rates, so you can compare providers side by side. You keep your own account with each provider and control your own fees.
What happens if a payment is declined?
When a decline is temporary, payFURL automatically retries the payment through your nominated backup provider, in the same checkout session, with no extra step for your customer.
Do I need to change my checkout to add or remove a provider?
No. Your team integrates once, through a single API. After that, you add or remove providers in the dashboard without touching your checkout code.
Everything about Smart Routing, on one page.
How it works, where the rates come from, and what happens when a payment is declined.
When a decline is temporary, payFURL automatically retries the payment through your nominated backup provider, in the same checkout session, with no extra step for your customer.
Automatic retry in the same checkout session
Retries through your nominated backup provider when a decline is temporary
No customer-facing errors or repeated card entry
When does payFURL retry a payment?
When a decline is temporary. payFURL automatically retries the payment through your nominated backup provider, in the same checkout session.
What does my customer see?
Nothing extra. There are no customer-facing errors and no repeated card entry. The retry happens in the same checkout session, with no extra step for your customer.
How can a stored card be retried through a different provider?
payFURL Vault keeps a vaulted record of the card that isn't tied to one provider. So a temporary decline can be retried automatically through your nominated backup provider using that same stored card, without you or your customer having to do anything.
How does failover work with Smart Routing?
Smart Routing is least-cost routing with automatic fallback. Each payment goes to the cheapest eligible provider, based on the rates you set, and when a decline is temporary, it is retried through your nominated backup provider.
Everything about Multi-Provider Failover, on one page.
When a payment is retried, what your customer sees, and how a stored card moves between providers.
Support the payment methods your customers actually use, in the markets you actually sell to, without integrating each one separately.
Cards, digital wallets, BNPL and PayTo, all through one API
Providers in 195+ countries
New methods added to your checkout without a release
Which payment methods does payFURL support?
Cards, digital wallets, Buy Now Pay Later, PayTo, direct debit and alternative payment methods, through 70+ connections globally. We add new connections continuously.
Which countries can I take payments in?
payFURL is an Australian company with a global provider network. You can accept payments in 195+ countries today, across Europe, North America, South America, Asia-Pacific and the Middle East.
Do I need a new integration for each payment method?
No. Your team integrates once, through a single API, and new methods are added to your checkout without a release.
What if you don't support a provider I need?
Tell us. We add new connections continuously, and if there is a provider you would like us to support, we can usually build it.
Everything about Payment Methods, on one page.
Which methods and countries are covered, and how new ones reach your checkout.
A drop-in checkout that keeps you out of PCI scope.
The card form renders directly from payFURL’s servers inside your page. Card data never touches yours, so your PCI compliance burden stays minimal.
Drop-in card form, styled to match your checkout
Card data never touches your servers
Your application usually qualifies for the lightest PCI self-assessment (SAQ A)
Where does the card data go?
Straight to payFURL. Raw card data terminates inside payFURL's PCI-scoped environment, never on your server. It is encrypted straight away and stored in payFURL Vault, and you only ever deal with a token.
Which PCI assessment will I need?
Your application usually qualifies for the lightest PCI self-assessment, SAQ A, because card data never touches your servers.
Can the card form match my checkout?
Yes. It is a drop-in card form, styled to match your checkout.
Do I need a release to add a payment method or provider?
No. New methods are added to your checkout without a release, and providers are added or removed in the dashboard without touching your checkout code.
Everything about Browser SDK & Checkout, on one page.
Where the card data goes, which PCI assessment you need, and how the form fits your checkout.
Card details are tokenised the first time a customer pays, then that single token works across every provider connected to your account. No re-collecting card data, no re-certifying PCI scope, no being tied to a single provider.
PCI DSS v4.0.1 Level 1 certified
One token works across every connected provider
Card data never touches your servers
What is a payment vault?
A payment vault stores a customer's card details and hands back a token to use in their place. payFURL Vault does that as an additional layer alongside whatever vault your payment provider already runs, not instead of it.
Why use payFURL Vault if my provider already has a vault?
A provider's own token only works with that provider. payFURL's vaulted record isn't tied to one provider, so you can run two providers side by side, fail over automatically, or add a new provider later without re-collecting a single card.
How is a token different from encryption?
Encryption is reversible: anyone with the right key can turn the data back into the card number. A token has no mathematical relationship to the card number it replaces, so it can't be turned back without access to the vault that issued it. payFURL Vault uses both.
Does payFURL Vault reduce my PCI scope?
Usually, yes. Raw card data terminates inside payFURL's PCI-scoped environment, never on your server, so a business using payFURL's hosted checkout can usually attest to SAQ A, the lightest self-assessment.
Everything about payFURL Vault, on one page.
What a payment vault is, how it works alongside your provider's, and what it means for PCI scope.
payFURL has partnered with Forter, a world leader in fraud decisioning. Switch on optional real-time fraud screening and each payment is checked as it happens: trusted customers go straight through, uncertain ones can get a 3D Secure check through Forter, and fraudulent ones are stopped before they reach your chargeback ratio.
Optional real-time fraud screening through our partner Forter
3D Secure available with Forter fraud screening, only when a payment needs a second look
Rules you configure in the payFURL dashboard, or let payFURL manage them for you
Is fraud screening switched on by default?
No. Fraud screening is optional. You switch on real-time screening through our partner Forter when you want it.
Does payFURL offer 3D Secure?
Yes, with Forter fraud screening. 3D Secure is available through Forter, only when a payment needs a second look.
Who sets the fraud rules?
You can configure the rules in the payFURL dashboard, or let payFURL manage them for you.
What happens to a suspicious payment?
Trusted customers go straight through, uncertain ones can get a 3D Secure check, and fraudulent ones are stopped. With Forter fraud screening switched on, suspicious activity is flagged before it becomes a dispute.
Everything about Fraud Protection, on one page.
Whether it's on by default, how 3D Secure works with Forter, and who sets the rules.
Reconciliation is the biggest time sink in a multi-provider stack. payFURL settles it into one view: every transaction, every provider, one export.
All transactions, providers and decisions, shown in real time
Costs and approval rates, provider by provider
Export-ready, whenever you need it
Can I search transactions across all my providers?
Yes. Search, filter and drill into any transaction, whichever provider processed it, with full detail: routing decision, retries and outcome.
Can I compare what each provider costs me?
Yes. Costs and approval rates are shown provider by provider. Costs are based on the rates you enter for each provider, so you can compare providers side by side.
Can I issue refunds and see chargebacks?
You can issue refunds from the dashboard without logging into a separate provider portal, and see chargebacks from supported providers.
Can I export the data?
Yes. Everything is export-ready, whenever you need it, for accounting and reconciliation.
Everything about Centralised Reporting, on one page.
Searching every provider at once, comparing costs, refunds and chargebacks, and exports.
Every transaction, across every provider, in one place.
Search, filter and drill into any transaction regardless of which provider processed it. No switching between five different provider dashboards to find one payment.
Search across every connected provider at once
Full detail: routing decision, retries, outcome
Export for accounting and reconciliation
Refunds & Disputes
Issue a refund, investigate fraud, without leaving payFURL.
Issue refunds, and see chargebacks from supported providers, in the same dashboard you use for everything else. With Forter fraud screening switched on, suspicious activity is flagged before it becomes a dispute.
Issue refunds without logging into a separate provider portal
Optional Forter fraud screening, built into the flow
