AQ Pay

Merchant servicesbuilt around your model.

Merchant accounts, gateway integration, subscription billing, multi-currency acceptance and the transaction tooling to run it all — from a team that configures payments for a living. Eligibility depends on industry, geography, underwriting and partner approval.

Payments · Sample Merchant LtdSAMPLE DATA
ReferenceMethodAmountStatus
pay_7f3a…Visa •• 4242€128.00Captured
pay_9c21…Bank redirect€64.90Pending
pay_1be0…Mastercard •• 0005$420.00Authorized
pay_55d7…Visa •• 0341€19.00Declined
pay_c0e2…Wallet£89.00Refunded
What we provide

Everything between your checkout and your bank account.

Merchant accountsMerchant account solutionsWe help you obtain accounts suited to your model and geography, then connect them to the gateway with routing already configured.
  • —Application & underwriting support
  • —Settlement currency planning
  • —Multi-acquirer setup where appropriate
GatewayPayment gateway integrationHosted checkout, embeddable fields or server-to-server API — with tokenization so card data never touches your systems.
  • —Hosted & embedded options
  • —Tokenization & network tokens
  • —Webhooks for every state change
E-commerceE-commerce processingCard and local-method acceptance tuned for conversion: 3DS decisioning, retry logic and clear declines.
  • —3-D Secure exemptions & challenges
  • —Local payment methods
  • —Decline reason normalisation
RecurringSubscription billingPlans, trials, proration and dunning with scheduled retries that respect issuer guidance.
  • —Smart retry schedules
  • —Account updater where supported
  • —Invoice & receipt emails
GlobalInternational & multi-currencyPresent and settle in multiple currencies, route to local acquirers where available, and add regional methods per market.
  • —Multi-currency pricing & settlement
  • —Local acquiring routes
  • —FX visibility on every payment
MethodsAlternative payment methodsBank redirects, wallets and country-specific methods, where supported for your industry and region.
  • —Added per market as needed
  • —Unified status model
  • —Same reconciliation as cards
Transaction management

Every payment, traceable end to end.

A payment is more than an authorization. The portal records each attempt, route, 3DS result, capture, refund, settlement line and dispute against one reference — so support, finance and risk see the same story.

01Search & traceFind by reference, last four, customer, amount or date; see every attempt and route.
02Capture, void, refundPartial and full operations across every provider from one screen or one API.
03DisputesChargeback notifications, evidence upload and deadlines tracked against the original payment.
04Settlement matchingEach payment linked to the provider statement line and payout that settled it.
05Audit trailWho did what, when — for every operation on every transaction.
Payment gateway integration

Three ways in. Pick by how much you want to own.

Hosted checkoutRedirect or modal checkout on your branded domain. Fastest to launch; we handle the payment page.PCI scopeMinimal (SAQ A-type)Typical buildHours
Embedded fieldsYour page, our iframe-isolated card fields. Full design control with card data still outside your scope.PCI scopeReducedTypical buildDays
Server-to-server APIDirect API integration for platforms that already hold PCI compliance or use network tokens.PCI scopeFull (your responsibility)Typical buildWeeks
Declined elsewhere?

High-risk merchant services

Consultation, acquiring-partner introductions, underwriting preparation and chargeback management for categories mainstream providers won't touch. Eligibility-dependent, and we'll tell you honestly what's realistic.

Let's look at your checkout together.

Bring your current provider setup and conversion numbers. We'll show you what the portal would change.

Book a demo

Merchant servicesbuilt around your model.

Merchant accounts, gateway integration, subscription billing, multi-currency acceptance and the transaction tooling to run it all — from a team that configures payments for a living. Eligibility depends on industry, geography, underwriting and partner approval.

Payments · Sample Merchant LtdSAMPLE DATA
ReferenceMethodAmountStatus
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What we provide

Everything between your checkout and your bank account.

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  • —{{ p }}
Transaction management

Every payment, traceable end to end.

A payment is more than an authorization. The portal records each attempt, route, 3DS result, capture, refund, settlement line and dispute against one reference — so support, finance and risk see the same story.

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Payment gateway integration

Three ways in. Pick by how much you want to own.

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Declined elsewhere?

High-risk merchant services

Consultation, acquiring-partner introductions, underwriting preparation and chargeback management for categories mainstream providers won't touch. Eligibility-dependent, and we'll tell you honestly what's realistic.

High-risk services →

Let's look at your checkout together.

Bring your current provider setup and conversion numbers. We'll show you what the portal would change.

Book a demo