Cards Solution
Visa & Mastercard smart routing for higher approval and global scale.
- Intelligent routing & failover
- 3DS optimization & retries
- Global coverage & reporting
Solutions Built for
High-Risk Payments
Paytonika supports brands and PSPs with local APMs, smart card processing, and retention-focused vBAN infrastructure designed to boost approval rates and maximize growth.
vBANs for Retention
Retention-focused vBAN infrastructure that drives recurring success.
- Improved retention & repeat success
- Direct bank transfer flow via vBAN
- Better approval with APM fallback
Local Payment Methods
The bank rails your customers already trust — connected once, live everywhere.
iDEAL
The most trusted online payment method in the Netherlands.
- High authorization rates
- Real-time bank confirmations
- Optimized checkout experience
Bancontact
Belgium’s leading debit payment method for secure transactions.
- Wide issuer coverage
- Real-time payment confirmation
- Frictionless customer experience
MyBank
Direct-to-bank payments across Italy, Spain, Portugal & more.
- Strong bank network
- Low friction, high conversion
- Secure customer authentication
EPS
Austria’s preferred online bank transfer method.
- Trusted by Austrian banks
- Secure & regulated transfers
- High acceptance rates
Wero
European real-time payments for a seamless experience.
- Instant account-to-account
- Pan-European reach
- Built for the future of payments
Cards Solution
Visa & Mastercard smart routing for higher approval and global scale.
- Intelligent routing & failover
- 3DS optimization & retries
- Global coverage & reporting
vBANs for Retention
Retention-focused vBAN infrastructure that drives recurring success.
- Improved retention & repeat success
- Direct bank transfer flow via vBAN
- Better approval with APM fallback
UPI
India’s real-time payment network for instant bank transfers.
- Real-time payment confirmation
- High success & reliability
- Ideal for high-volume flows
APM Rails
One integration. Access to 400+ local APMs across the globe.
- Extensive local payment coverage
- Higher conversion worldwide
- Built for scale & reliability
Risk & Fraud
Under Control
Controls that keep approval rates high without letting chargebacks and fraud erode your margin.
Real-time screening
Velocity, device, and behavioural checks applied before authorization.
Chargeback control
Early-warning alerts and representment support to protect your ratios.
Smart retries
Failed attempts rerouted across acquirers and BINs automatically.
PCI-aligned handling
Tokenized card data and hosted flows keep sensitive data off your servers.