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Solutions

Same platform.
Built for how you take payments.

Six capabilities, reframed around the business you actually run. Pick where you sit below. Each one borrows from the same platform, not a separate product.

Online businesses

One platform for every payment, without the specialist team.

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eCommerce

Stop overpaying, and stop losing sales at the cart.

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Subscriptions

Recover the renewals a single provider would lose.

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Ticketing & events

Keep the checkout up when tickets go on sale.

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Charities

Every dollar donated should work as hard as possible.

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Platforms & ISVs

Give your customers a payments layer, without building one.

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Gateways & Acquirers

Extend your offering without losing the relationship.

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For online businesses

You shouldn’t need to be a payments specialist.

You shouldn’t need to read a 40-page processor statement to know if you’re getting a good deal, or lose a sale because one provider is having a bad day. payFURL hands all of that to one platform built for the job, so you get the choice, control and visibility to stop overpaying and win every sale.

Reduce costs
See what you’re paying. Route to the best rate.
See what each provider costs you, side by side, based on the rates you enter, and send each payment to the cheapest eligible provider.
Reduce fraud
Certified. Protected. Funds untouched.
PCI DSS v4.0.1 certified and pure SaaS, with optional real-time fraud screening through our partner Forter.
Increase revenue
More methods. Fewer declines.
Offer the ways your customers want to pay. If a decline is temporary, the payment is retried through your nominated backup provider automatically.
Let’s put payments on your terms.
For eCommerce brands

The cart is where margin lives or dies.

Every declined payment is a lost sale, every missing payment method is a lost customer, and every percentage point of fees is money you could have spent on growth. payFURL sits behind your checkout and makes all of it measurable, controllable and improvable.

Reduce costs
Smart routing, every time.
Each payment goes to the cheapest eligible provider, based on the rates you set.
Reduce fraud
Decisions in real time.
PCI DSS v4.0.1 certified, with optional Forter fraud screening before the payment is approved.
Increase revenue
Every method. Automatic failover.
The payment methods your shoppers expect, and automatic failover when a provider has a bad minute.
Let’s make every checkout work as hard as your brand does.

How does payFURL lower my processing costs?

Each payment goes to the cheapest eligible provider, based on the rates you set. You can see what each provider costs you, side by side, based on the rates you enter.

What happens when a shopper's 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 shopper.

Which payment methods can my shoppers use?

Cards, digital wallets, Buy Now Pay Later, PayTo, direct debit and alternative payment methods, through one API. New methods are added to your checkout without a release.

How is my checkout protected from fraud?

payFURL is PCI DSS v4.0.1 certified, and you can switch on optional real-time fraud screening through our partner Forter before the payment is approved.

Everything about eCommerce, on one page.

Costs, declined payments, payment methods, fraud and integration, for online stores.

Read the full eCommerce guide →
For subscriptions and memberships

Lost renewals are the quiet tax on every subscription business.

A failed renewal is rarely a customer who wanted to leave. It’s usually a bad minute at a provider or a network error. payFURL turns those silent losses into recovered revenue: card details are stored once in the payFURL Vault, and a declined renewal is retried through another provider.

Reduce costs
Route the renewal.
Each renewal goes to the provider that approves most reliably for that card and country.
Reduce fraud
Vaulted end to end.
Cards on file are tokenised in the payFURL Vault. PCI DSS v4.0.1 certified.
Increase revenue
Retry, don’t lose.
A renewal that hits a temporary decline is retried through your nominated backup provider automatically, so the member stays a member.
Let’s keep the members you already won.

Why do subscription renewals fail?

A failed renewal is rarely a customer who wanted to leave. It's usually a bad minute at a provider or a network error, and most businesses only find out once it's already gone wrong.

How does payFURL recover a failed renewal?

A renewal that hits a temporary decline is retried through your nominated backup provider automatically, using the same stored card. No card is re-entered, and the member stays a member.

Where are my members' cards stored?

Cards on file are tokenised in payFURL Vault, which is PCI DSS v4.0.1 Level 1 certified. Client data collected in Australia stays in Australia.

Can I add a provider without asking members for their cards again?

Yes. payFURL's vaulted record isn't tied to one provider, so you can add a new provider later without re-collecting a single card.

Everything about Subscriptions & Memberships, on one page.

Why renewals fail, how payFURL retries them, and where your members' cards are kept.

Read the full Subscriptions & Memberships guide →
JM
Premium membership
$29 a month · renews on the 1st
tok_4f1c…
1 JulRenewal · Provider AApproved
1 AugRenewal · Provider AApproved
1 SepRenewal · Provider ADeclined
Retried automatically · Provider BApproved
1 OctNext renewalScheduled
Member retained No card re-entered
Tickets on sale
Friday, 9:00am release
Live
One fan’s payment
9:00:04Provider ATemporary decline
9:00:05Retried automatically · Provider BYour nominated backupApproved
Provider A returned a temporary decline, so payFURL retried the payment through your nominated backup, Provider B. The fan kept checking out.
Sale saved by failover Illustrative
For ticketing and events

When tickets go on sale, nothing can fail.

The moment tickets are released, thousands of fans reach the checkout at once, and that’s no time to lose a sale to a temporary decline. payFURL retries it through your nominated backup provider automatically, so every fan can pay the way they want. For the rest of the year, least-cost routing quietly keeps your fees down.

Reduce costs
Route under pressure.
Every ticket sent to your cheapest eligible provider, even at peak demand.
Reduce fraud
Screening without friction.
Optional Forter fraud screening, without holding up the checkout.
Increase revenue
Methods plus failover.
Every payment method fans expect, with failover if a provider can’t keep up.
Let’s make your next release your best one.

What happens if a fan's payment is declined during an on-sale?

When a decline is temporary, payFURL retries the payment through your nominated backup provider automatically, in the same checkout session. The fan keeps checking out.

How does payFURL keep ticketing fees down?

Every ticket is sent to your cheapest eligible provider, based on the rates you set, even at peak demand.

Does fraud screening slow down the checkout?

Optional Forter fraud screening runs in real time, without holding up the checkout.

Which payment methods can fans use?

Every payment method fans expect: cards, digital wallets, Buy Now Pay Later, PayTo and more, through one integration.

Everything about Ticketing & Events, on one page.

Declined payments at peak demand, fees, fraud screening and payment methods.

Read the full Ticketing & Events guide →
For platforms and ISVs

Your customers shouldn’t wait on your roadmap for a payment method.

Every time a customer asks for a new gateway, region or payment method, it lands on your team. payFURL gives your platform an embedded payments layer that takes on that complexity, so your customers get what they need without competing for your roadmap. PCI DSS v4.0.1 certified, pure SaaS, and we never touch funds.

Volume
Increase transaction volume.
Every customer on your platform gets access to more payment methods, regions and providers.
Revenue
Grow with your customers.
When your customers sell more because of payFURL, your platform grows alongside them.
Position
Differentiate.
Stand out from platforms that still offer a single embedded gateway.
How we partner. We’ve done this with charity, ticketing, eCommerce and accounting platforms.
01 · SCOPE
Agree the customer segments, payment methods and commercials.
02 · PILOT
Go live with a small group of customers and measure the impact together.
03 · SCALE
Roll out across your platform, with marketing and customer success support.
Let’s make your customers the heroes of their businesses.

What does payFURL add to my platform?

Every customer on your platform gets access to more payment methods, regions and providers, through one embedded payments layer.

How does my platform benefit?

When your customers sell more because of payFURL, your platform grows alongside them, and you stand out from platforms that still offer a single embedded gateway.

How do we partner?

In three steps. Agree the customer segments, payment methods and commercials. Go live with a small group of customers and measure the impact together. Then roll out across your platform, with marketing and customer success support.

Have you done this before?

Yes. We've done this with charity, ticketing, eCommerce and accounting platforms.

Everything about Platforms & ISVs, on one page.

What payFURL adds to your platform, how your platform benefits, and how we partner.

Read the full Platforms & ISVs guide →
YP
Your platform
Payments, by customer
Powered by payFURL
HF
Harbour Fitness
Memberships · AU
CardWalletBNPL
NE
Northside Events
Ticketing · AU and NZ
CardWallet+ PayTo
LS
Lumen Studio
eCommerce · now selling in the UK
CardWallet+ UK
Northside asked for PayTo. It was switched on in settings, with no ticket on your roadmap.
More ways for your customers to get paid Illustrative
YG
Your gateway
Routing rules · your brand
White-label
Rules a business sets in your portal
Paid in AUD Your gatewayPrimary
Paid in USD or EUR Regional providerBy currency
Primary unavailable Backup providerFailover on
Brand on the checkout
Yours
Settlement relationship
Stays with you
More choice, and the business stays yours Illustrative
For gateways and acquirers

Keep your businesses by giving them more choice.

Businesses leave when their provider can’t give them choice, control and visibility. payFURL lets you offer exactly that, with your brand on the front and your commercial relationship intact. It sits alongside your stack, not instead of it, and never competes for the settlement relationship.

Routing
Multi-currency routing.
Businesses route by region, currency or rule without leaving your product.
Resilience
Backup processing.
Failover to a secondary provider, so an outage never costs a transaction.
White-label
White-label orchestration.
payFURL’s routing, vault and rules engine, under your brand and your commercials.
Let’s extend what you already offer.

Why do businesses leave their gateway?

Businesses leave when their provider can't give them choice, control and visibility. payFURL lets you offer exactly that, without them leaving your product.

Does payFURL compete with us?

No. payFURL sits alongside your stack, not instead of it, and never competes for the settlement relationship.

What is white-label orchestration?

payFURL's routing, vault and rules engine, offered under your brand and your commercials, so the business sees your brand on the checkout.

What happens when a payment is declined?

When a decline is temporary, the payment is retried through a nominated backup provider automatically, in the same checkout session.

Everything about Gateways & Acquirers, on one page.

Why businesses leave, how payFURL sits alongside your stack, and what white-label means.

Read the full Gateways & Acquirers guide →
You’re protected

Whatever you run, the same protection sits underneath.

PCI DSS v4.0.1 certified. Pure SaaS: we never touch your funds. Hosted on AWS across multiple availability zones. You keep your commercial relationships with your providers, and we handle the complexity of connecting them.

How we work together: a path you can walk, at your pace.
1
Call us.
A free call with a payments specialist who knows your industry.
2
Let’s plan.
We map your current setup and show you the savings and the wins before you commit.
3
Build together.
We go live alongside you, and stay with you as your business grows.

Let's find your fit.

Talk to us about where your business sits, and what payFURL would change.

Contact us