Launch your payment
product faster.
Building a PSP, neobank, or payment platform from scratch takes 18–24 months and millions in engineering. Paystaq gives you the processing infrastructure — acquirer network, routing engine, risk scoring, merchant management — so you can go to market in weeks, not years.
elif amount > 5000 → acquirer.tier1_eu
else → smart_routing.auto
Six reasons payment companies build slower than they should
Every payment company faces the same infrastructure challenges. Paystaq exists to remove them.
The processing engine under every Paystaq product
When you build on Paystaq, your merchants inherit three layers of payment intelligence — running on every transaction, across your entire portfolio.
Protect your platform from bad transactions before they reach your acquirers
UPQS runs every transaction from every merchant in your portfolio through 40+ quality signals before routing. It catches stolen cards, card testing attacks, and high-risk BINs at the gate — protecting your chargeback ratios and acquirer relationships at the platform level.
Merchant-level and portfolio-level fraud intelligence
Sentinel scores transactions in under 50ms using models that adapt to each merchant's category, volume, and risk profile. It also monitors patterns across your entire merchant portfolio — detecting collusion, unusual volume spikes, and merchants drifting into high-risk behaviour before they affect your platform.
Route every merchant's transactions to the best available acquirer
Smart Routing uses real-time acquirer performance data, BIN-acquirer affinity, and merchant-specific routing rules to maximise approval rates across your entire portfolio. Define rules per merchant, per transaction type, or per geography — the engine executes them in under 200ms.
Everything a payment company needs to launch and scale
The full payment infrastructure stack — without the years of build time.
Two products. One processing engine.
The right choice depends on how much of the stack you want to own and how much you already have.
Whitelabel Processor
Best for PSPs, ISO/MSPs, and fintechs launching or scaling a payment product
Whitelabel Processor gives you the complete processing infrastructure under your brand — gateway, routing, risk scoring, merchant management, reconciliation — so you can launch your PSP or payment platform without building any of it yourself. You own the merchant relationships and the revenue; Paystaq powers everything underneath.
Ready to launch your
payment product?
Book a demo and we'll walk through your current setup — and show you how quickly Paystaq can get you to market.