AQ Pay

Payment orchestrationthat routes with intent.

One unified payment API in front of every acquirer, PSP and alternative method you connect. Rules select the best route for each transaction; cascading and health-aware failover keep approvals flowing when a provider doesn't.

Your API callPOST /payments Acquirer A · EU cardsAcquirer B · US cardsAPM connector · localBackup acquirer ILLUSTRATIVE
Why orchestration

One provider is a single point of failure. Several, unmanaged, are a maintenance burden.

Orchestration puts a routing and management layer between your systems and your providers. You integrate once, add or replace providers by configuration, and let rules — not engineers — decide where each transaction goes.

ResilienceWhen a provider degrades or declines for technical reasons, traffic moves to an eligible alternative automatically.
Approval performanceRoute by issuer region, card type and method to the provider most likely to approve — and measure the result.
Cost controlPrefer lower-cost routes where approval performance is equivalent; see effective cost per route.
Negotiating leverageAdding or shifting providers becomes configuration, which changes the conversation with each of them.
Intelligent routing

Routing profiles you can read.

A routing profile is an ordered list of rules. Each rule matches on transaction attributes and names a primary provider plus an optional cascade chain. Profiles are assigned per merchant, group or tenant, and versioned so you can see what changed and when.

Shown: a readable representation of the rule model. The exact schema is documented in the API reference.

routing-profile: eu-cards-default · v7
// rule 1 — EU-issued cards, low valuematch: { issuer_region: "EU", amount_lt: 25000, method: "card" }
primary: "acquirer_a"cascade: ["acquirer_b"]
cascade_on: ["issuer_unavailable", "timeout", "do_not_honor_soft"]

// rule 2 — high-value, require 3DS challengematch: { amount_gte: 25000 }
require: { three_ds: "challenge" }
primary: "acquirer_a"// health policy — applies to all ruleshealth: { demote_when_error_rate_gt: 0.08, window: "5m", recover_after: "10m" }
Cascading & failover

Retry only when a retry can succeed.

Not every decline should be retried. Hard declines (stolen card, closed account) are final and retrying them harms your reputation with issuers. The engine maps each provider's response codes to a shared taxonomy and cascades only on retry-eligible outcomes.

Retry-eligible
Issuer unavailable / timeout
Technical failures between provider and issuer. Cascade immediately to the next provider.
Retry-eligible
Soft “do not honor”
Often provider- or path-specific. Cascade once; stop if the next provider agrees.
Final
Stolen / lost / closed
Never retried. Returned to the merchant with a normalised reason code.
Final
Insufficient funds
Not retried in the same attempt; eligible for scheduled retry in subscription flows.
Gateway connectivity

Connectors we maintain, so you don't.

Each connector normalises authentication, request formats, response codes, 3DS flows and settlement files for a given provider. When a provider changes its API, we update the connector — your integration with AQ Pay doesn't change. We don't publish a provider logo wall; we'll confirm coverage for the providers you actually need during scoping.

Card acquirers
Direct acquiring connections with 3DS and tokenisation support.
PSP aggregators
Gateway-to-gateway connections where you process via another PSP.
Bank redirects
Account-to-account methods with redirect and status polling.
Wallets
Digital wallet flows with device-based authentication.
Local methods
Country-specific methods added per market as needed.
Settlement files
Statement ingestion for reconciliation per provider.
Monitoring & analytics

See every route's performance — and act on it.

Approval & decline by route
Compare providers on the same traffic segment; spot where a rule change would help.
Provider health
Latency, error rate and timeout trends per connector, with the demotion events the engine took.
Cascade outcomes
How often a cascade recovered an authorization — and what it cost.
Exportable, per tenant
Every metric scoped to tenant, merchant group or merchant, exportable for your own BI.

Bring your provider list. We'll map the routes.

In a demo we model your current provider mix and show what rule-based routing and cascading would change.

Payment orchestrationthat routes with intent.

One unified payment API in front of every acquirer, PSP and alternative method you connect. Rules select the best route for each transaction; cascading and health-aware failover keep approvals flowing when a provider doesn't.

Your API callPOST /payments Acquirer A · EU cardsAcquirer B · US cardsAPM connector · localBackup acquirer ILLUSTRATIVE
Why orchestration

One provider is a single point of failure. Several, unmanaged, are a maintenance burden.

Orchestration puts a routing and management layer between your systems and your providers. You integrate once, add or replace providers by configuration, and let rules — not engineers — decide where each transaction goes.

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Intelligent routing

Routing profiles you can read.

A routing profile is an ordered list of rules. Each rule matches on transaction attributes and names a primary provider plus an optional cascade chain. Profiles are assigned per merchant, group or tenant, and versioned so you can see what changed and when.

Shown: a readable representation of the rule model. The exact schema is documented in the API reference.

routing-profile: eu-cards-default · v7
// rule 1 — EU-issued cards, low value
match: { issuer_region: "EU", amount_lt: 25000, method: "card" }
primary: "acquirer_a"
cascade: ["acquirer_b"]
cascade_on: ["issuer_unavailable", "timeout", "do_not_honor_soft"]

// rule 2 — high-value, require 3DS challenge
match: { amount_gte: 25000 }
require: { three_ds: "challenge" }
primary: "acquirer_a"

// health policy — applies to all rules
health: { demote_when_error_rate_gt: 0.08, window: "5m", recover_after: "10m" }
Cascading & failover

Retry only when a retry can succeed.

Not every decline should be retried. Hard declines (stolen card, closed account) are final and retrying them harms your reputation with issuers. The engine maps each provider's response codes to a shared taxonomy and cascades only on retry-eligible outcomes.

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Gateway connectivity

Connectors we maintain, so you don't.

Each connector normalises authentication, request formats, response codes, 3DS flows and settlement files for a given provider. When a provider changes its API, we update the connector — your integration with AQ Pay doesn't change. We don't publish a provider logo wall; we'll confirm coverage for the providers you actually need during scoping.

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Monitoring & analytics

See every route's performance — and act on it.

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Bring your provider list. We'll map the routes.

In a demo we model your current provider mix and show what rule-based routing and cascading would change.

Book a demoAPI reference