Launch faster
on rails you
don't have to build.
Go to market in weeks, not years. API-first access to acquiring, issuing, wallets and orchestration - fully certified and ready to scale. PSPs extend rail coverage and lift success rates on the same infrastructure.
White-label or embed, with usage-based pricing.
The opportunity
Building rails is slow. Renting them is smart.
Certifications, scheme integrations and compliance take years to build. VantagePay gives fintechs and PSPs production-grade rails through an API - so you spend your time on product, not payment plumbing.
- API-first access to every payment rail
- Fully certified - PCI DSS Level 1, ISO 27001
- White-label or embed under your brand
- Usage-based pricing that scales with you
Open APIs
Every capability, behind one API.
Documented, versioned REST APIs and webhooks expose acquiring, issuing, wallets, orchestration and reporting - with a sandbox for every endpoint and SDKs to get you live in weeks.
- REST APIs and webhooks
- Versioned and documented
- Sandbox for every endpoint
- SDKs and integration guides
Card issuing
Issue cards on demand.
Spin up virtual cards instantly via API - with spend controls and limits - or issue physical cards, for consumer, business and disbursement use cases.
- On-demand virtual card issuing
- Physical card issuing
- Controls and spend limits
- Instant issuance via API
Risk & compliance
KYC, fraud and compliance, built in.
Every transaction is scored in real time, with configurable risk profiles, built-in compliance controls and a full audit trail - so you inherit bank-grade risk without building it yourself.
- Real-time fraud detection and scoring
- Configurable risk profiles per channel and rail
- Built-in KYC and compliance controls
- Full audit trail across every transaction
Orchestration & routing
Higher success rates, more rail coverage.
For PSPs, Omni-Channel Switch adds rail coverage and lifts success rates - routing on success and cost, failing over automatically, and completing transactions competitors return as declines.
- Least-cost and success-rate routing
- Automatic failover on degraded routes
- Extend rail and corridor coverage
- Cross-border FX at the point of routing
Secure by default
Tokenisation that cuts your scope.
Sensitive card data is replaced with tokens at capture, reducing your PCI scope and securing recurring, card-on-file and cross-channel payments across everything you build.
- Network and platform tokenisation
- Reduced PCI scope
- Secure recurring and card-on-file
- Vaulting and lifecycle management
Scale with you
Usage-based, from pilot to scale.
Start with a lean pilot and scale as you grow - usage-based pricing, real-time analytics and estate-wide reporting, with the infrastructure autoscaling underneath you.
- Usage-based pricing
- Real-time analytics and reporting
- Autoscaling infrastructure
- Reusable components for new channels
Speed to market
Deploy in weeks, not years.
VantagePay's orchestration layer and APIs sit above the rails and schemes - no big-bang programme, no multi-year build. Launch lean and expand progressively.
- API-first integration above the rails
- No big-bang programme or multi-year build
- Production-grade from day one
- Reusable components for future channels