Global coverage · one-click checkout · fraud & chargeback protection

Stop losing sales
at the checkout.

Around 8–15% of legitimate transactions are declined by overly cautious acquirer rules. Disputed and fraudulent transactions cost the average online store another 0.5–1.5% of revenue. Both are recoverable — Paystaq's three-level approval engine handles both automatically.

8–15%

Legitimate txns declined by acquirers

0.5–1.5%

Revenue lost to fraud & chargebacks

< 200ms

Routing decision time

dashboard.paystaq.com

Approval Recovery

Fraud & Chargebacks

Before Paystaq

87.2%

Industry baseline

With Paystaq

94.6%

After routing + UPQS

DECLINE REASONS RECOVERED

Soft decline — retry succeeded54%

Wrong acquirer routing28%

BIN flagged — pre-cleared by UPQS18%

+7.4pp approval rate lift

UPQS + Smart Routing

ACCEPTED PAYMENT METHODS

VisaMastercardAmexApple PayGoogle PaySEPAiDEALBancontactSofortKlarna

Card testing blocked · 0.3% chargeback rate

THE E-COMMERCE PAYMENT PROBLEM

Six ways online stores leave money behind

Most payment problems are invisible until you know where to look. Paystaq surfaces and fixes all of them.

Payment-step drop-off costs more than most stores realise

Shoppers who reach checkout are already convinced — but unfamiliar payment methods, forced card entry on mobile, and missing local APMs still cause a meaningful share to abandon at the final step. The fix is offering the right method to the right customer.

Silent revenue loss from declines

Around 8% of legitimate e-commerce transactions are declined — not by fraudsters, but by overly cautious acquirer rules. That's real revenue disappearing without a visible error.

Missing local payment methods

A shopper in the Netherlands expects iDEAL. One in Germany expects Sofort. Forcing card-only checkout in local-APM markets can cost you 30–40% of conversions in those geos.

Fraud and chargebacks eating margin

Friendly fraud — customers disputing legitimate purchases — accounts for the majority of e-commerce chargebacks. Card testing attacks add further cost. Chargeback rates above 1% risk acquirer termination.

Single acquirer dependency

Routing all volume through one acquirer means their downtime is your downtime, their rate hike is your cost increase. Multi-acquirer routing eliminates that single point of failure.

No visibility into drop-off causes

Most stores see conversion rates but not why they fall. Without acquirer-level, BIN-level, and geography-level analytics, you're optimising blind.

THREE-LEVEL APPROVAL ENGINE

How Paystaq recovers lost revenue

Three layers of intelligence activate on every transaction — in sequence, in under 200ms, invisibly to the customer.

UPQS — Pre-transaction validation

Catch bad transactions before they hit the acquirer

Universal Payment Quality Score runs every transaction through 40+ data points before routing — card BIN health, velocity patterns, device signals, and address match. Legitimate customers sail through; only genuinely risky transactions are flagged.

BIN-level card health check across 100M+ records

Velocity and pattern detection per customer and device

Address verification and postcode matching

Pre-auth check before committing to an acquirer

Sentinel ML — Real-time fraud scoring

Stop fraud and card testing before they cost you

Sentinel scores every transaction in under 50ms using a model trained on e-commerce purchase patterns. It identifies card testing attacks, account takeover attempts, and friendly fraud signals — blocking bad actors while letting genuine customers through without added friction.

Sub-50ms scoring with zero checkout latency impact

Card-testing and velocity attack detection

Account takeover and stolen card signals

Adaptive risk thresholds per merchant category and geography

Smart Routing — Optimal acquirer selection

Every transaction goes to the acquirer most likely to approve it

Paystaq routes each transaction based on real-time acquirer approval rate data, BIN-acquirer affinity, transaction size, and geography. If the primary acquirer declines, cascading automatically retries the next best option — invisibly, within milliseconds.

Real-time acquirer performance weighting per BIN and geo

Automatic cascading retry on soft decline

Volume balancing across acquirers to avoid concentration

Currency and local payment method routing

FULL CAPABILITY SET

Everything e-commerce payments need

From first click to refund — the full payment lifecycle, under one platform.

Cards & local payment methods

Accept Visa, Mastercard, Amex, Apple Pay, Google Pay, iDEAL, Sofort, Bancontact, SEPA, Klarna and more — all from one integration. Add new methods without redeployment.

One-click checkout

Tokenise cards on the first purchase. Returning customers complete checkout in a single tap — no card entry, no friction, higher conversion on every subsequent visit.

Smart 3DS2 routing

Meet SCA requirements where regulation mandates it, and leverage exemption flows where available — low-value transactions, trusted beneficiaries, and recurring payments. Sentinel's risk score determines which path each transaction takes.

Multi-currency processing

Process in 150+ currencies. Show customers prices and accept payment in their local currency — without building currency management yourself.

Multi-acquirer routing

Connect multiple acquirers and route by BIN, geography, card type, and real-time performance. Automatic failover means one acquirer's downtime doesn't stop your sales.

Granular analytics

Approval rate breakdowns by acquirer, BIN range, payment method, geography, and device. Pinpoint exactly where transactions drop and what's driving it.

Hosted & embedded checkout

Launch with Paystaq Cashier — a fully hosted, brandable checkout — with zero PCI burden. Or embed payment fields into your existing checkout via iFrame or API.

Card vault & tokenisation

Secure card storage with PCI DSS Level 1 vault. No card data touches your servers — your compliance scope shrinks to near-zero, and one-click checkout comes included.

WHICH PRODUCT IS RIGHT FOR YOU?

Three products. One approval engine.

Every Paystaq product runs UPQS, Sentinel ML, and Smart Routing. The choice is how much of the infrastructure you own.

Cashier

Best for stores wanting a hosted checkout fast

Paystaq Cashier gives your customers a high-converting, fully branded checkout page — hosted on your domain with zero PCI burden. Deploy in hours. Cards, APMs, Apple Pay, Google Pay, and local methods in one flow, with built-in Sentinel ML fraud scoring.

Live on your domain in hours, no PCI scope increase

One-click checkout via card tokenisation

10+ local payment methods out of the box

Branded to match your store — no Paystaq watermark

Learn more

GET STARTED