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INTAFACED
Payments orchestration · high-risk merchants

Every payment, routed to the venue that will approve it.

INTAFACED is the payments orchestration layer for high-risk merchants. One integration fronts many acquirers, banks and local methods, routing, cascading and retrying each transaction, so a declined provider doesn’t cost you the sale.

Book a sessionHow it works
INTAFACED.COM2026 / VOL.I
Routed vs a single acquirer

Recover the sales a single acquirer would decline.

Every payment routes to whichever of your acquirers is most likely to authorise it. That lifts approvals well past a single-acquirer baseline, with no change to your checkout.

Routed across your venuesSingle-acquirer baseline
$0.0M+14 pts
Recovered revenue · illustrative 12-month model
JanAprAugDec
0+
Currencies supported
0+
Countries covered
<0d
Avg integration

One acquirer is a single point of failure.

Acquirers tighten without warning, MIDs freeze, approvals sag, one review or outage cuts revenue overnight. Every decline a healthy provider would have taken is a lost sale.

One acquirersingle point of failure
0.0%▼ failing
approval rate after MID freeze
approval declining toward an outage
  • Coverageone provider, no fallback
  • On a declinethe sale is simply lost
  • On an outagevolume stops cold
Declines, same txns0 lost sales
INTAFACEDMULTI-ACQUIRER
0.0%held
approval rate across onboarded venues
approval held through the same outage
  • Coveragemany acquirers, banks, methods
  • On a declineflow cascades to your next healthy venue
  • On an outagevolume keeps moving, no failover
Captured from those same 312 txns+$0
We keep your volume flowing.

One integration in front of many acquirers. Transactions cascade to a healthy venue — no manual failover. Figures illustrative.

The signature

Watch a declined payment get saved.

A single acquirer would lose this sale. INTAFACED reroutes it across your onboarded venues, declined in one place and approved in another, in milliseconds, with no change to your checkout.

INTAFACED · ROUTING CONSOLE
Transactiontxn_3PqL9rK2dF8aE1xZ
$0.00USD
Approved via Acquirer B
Payment method
Visa •••• 4242
Customer
Northbridge Ltd.
Corridor
GB to EU · card-present off
Outcome$4,820.00 · approved
Acquirer attemptsBEST EXECUTION
  • A
    Acquirer A
    London · UK
    DECLINED
  • B
    Acquirer B
    Amsterdam · EU
    APPROVED
  • C
    Acquirer C
    Dublin · IE
    STANDBY
  • D
    Acquirer D
    Frankfurt · DE
    STANDBY
  • E
    Acquirer E
    Tallinn · EE
    STANDBY
Rerouted A to B in 278 ms · no checkout change
Sales saved by rerouting
0
Book a session
01/How it works

Live in days. Routed from day one.

Three moves. You only build the first.

INTAFACED · PAYMENT FLOW
txn_5Kp2Rq9aE1xZ$0.00USD
  1. API · single integrationHANDSHAKE
    POST/v1/sessions
    { "mode": "live", "corridors": 14 }
    Auto-assembled venues
    VisaMastercardSEPAACHSWIFTUSDC
    Time to live0 days
    01

    Connect once

    One session, one API.

    We assemble the acquirers, banks and methods. You integrate one surface.

    • Live in under a week
    • Zero lift to add corridors
    • Sandbox with realistic flows
  2. Routing decisionQUEUED
    VenueApproval
    • Acquirer B · AMS0.94
    • Acquirer A · LON0.71
    • Acquirer D · FRA0.63
    Decision0 ms
    02

    Route every payment

    The cascade you just watched.

    It runs on every transaction, across the providers you onboarded. You write none of it.

    • Your onboarded providers only
    • Every transaction, not just retries
    • No routing code on your side
  3. Settlement · reconcilePENDING
    • Card · Visa$8,240.00T+1
    • Net fees-104.18-
    Reconciled · best-execution
    $0.00
    Proofbest-execution
    03

    Settle & reconcile

    One format, proofs built in.

    Providers settle across cards, SEPA, SWIFT, ACH, local rails and stablecoins. We reconcile it into one format.

    • Cross-rail reconciliation
    • One reconciliation format
    • Best-execution proofs
FIRST CALL → RESILIENT ACCEPTANCEConnecting one surface…

Built for the merchants others turn away.

If your volume is hard to bank, you're who we built INTAFACED for. Six specialist verticals, kept approving. Licensed, regulated operators only.

High-risk acceptance · illustrative portfolio
Blended approval
91.2%
MIDs live
51 / 55
Volume routed 30d
$1.84B
ig
Spotlight verticaliGaming & betting
APPROVING
Approval rate
0.0%▲ 16.8 pts vs single acquirer
Approval over spiky weekend volumetrailing 7d
Routed94.2%Single acquirer77.4%
Declines recovered this weekend+ 0.0%
Inside the stack

Inside the routing engine.

Every payment scored and routed in a single pass.

Decision engineScoring
Weighted signals · live
Issuer approval0.00
Acquirer health0.0%
MID health0.00
Chargeback pressure0.00
4→1routed
model v4 · 186ms
Candidates · scored
AQ-04 · AMS0286ms
AQ-02 · LON0311ms
AQ-07 · FRA0268ms
AQ-01 · DUB0402ms
  • 01Routing0.0Mdecisions / day
  • 02Signals0live signals
  • 03Compliance0corridors
  • 04Settlement0rails
  • 05Risk0breakers · 30d
  • 06Audit0%logged
Rails and regions

Every rail your volume needs, behind one API.

Card schemes, bank rails, local methods and stablecoin networks across six regions. When a route degrades, your volume reroutes to a venue that can approve it locally. No lost sale.

INTAFACED, ROUTING
NA → EU$0.0M
    • Card schemesROUTED · top approval
      6 schemes · T+1
      0.0%
      UK · cards
    • Bank rails
      6 networks · T+0
      0.0%
      UK · instant rails
    • Local methods
      5 categories · T+1
      0.0%
      EU · local methods
    • Stablecoin
      USDC and USDT · T+0
      0.0%
      US · digital
    ENTRY → RAIL → SETTLED
    CardsBankLocalStableONE APISETTLED
    0+Currencies
    0+Countries
    0Regions
    0Rails
    0.0%Median accept
    UPDATED 12:04 UTC
    Anonymized acquirers behind every mark. You integrate once.

    Why high-risk merchants choose INTAFACED.

    Running on one acquirer, wiring up ten yourself, or routing through an orchestration layer is not a feature comparison. It is an operating model decision, and here is what changes the day you stop depending on a single provider.

    Approval rates
    INTAFACED
    Routed to the venue most likely to approve, with declines cascading automatically

    1 ACQ — declines are simply lost

    DIY — only as good as your logic

    Staying live
    INTAFACED
    MID redundancy across many acquirers, so one freeze doesn't have to stop your volume

    1 ACQ — one frozen MID halts everything

    DIY — you build & monitor failover yourself

    High-risk acceptance
    INTAFACED
    Specialist acquirers matched to your vertical and corridor

    1 ACQ — take it or leave it

    DIY — you source & underwrite each relationship

    Pricing leverage
    INTAFACED
    Pooled volume earns tiers no single merchant negotiates alone

    1 ACQ — opaque rates, no leverage

    DIY — negotiate every acquirer separately

    Onboarding
    INTAFACED
    One integration, typically live in under a week

    1 ACQ — bespoke setup per acquirer

    DIY — 5-10 integrations to build & maintain

    Compliance & reporting
    INTAFACED
    One unified compliance and reporting surface across every provider

    1 ACQ — per-acquirer, region-locked, manual

    DIY — reconcile across many systems yourself

    Adding markets & methods
    INTAFACED
    New corridors and methods inherited as a config change, not a re-integration

    1 ACQ — manual rebuild per region

    DIY — re-engineer for every new rail

    Chargeback pressure
    INTAFACED
    Continuous monitoring helps protect your MIDs before they are at risk

    1 ACQ — your problem alone

    DIY — build your own monitoring stack

    “For a high-risk merchant, orchestration isn't a procurement convenience. It's survival. Diversified acquiring removes single points of failure, pooled volume improves pricing, and unified compliance reduces drag. The aim: more approved payments, fewer frozen MIDs, and materially less operational risk.”

    INTAFACED · the orchestration thesis
    Estimate the upside

    See what better routing could recover.

    Move the sliders to your numbers. The panel models what better routing could recover across a year.

    INTAFACED · UPLIFT ESTIMATOR
    ILLUSTRATIVE ESTIMATE · NOT A QUOTE
    Your numbers
    $4,200,000
    87.5%
    +3.4 pts
    Declined now / mo$525,000
    Recoverable at +3.4 pts$142,800/mo
    Estimated recoveryMODELLED
    Estimated volume recovered / year
    $0

    About $142,800 more approved every month · 1,660 recovered approvals / mo.

    APPROVAL · CURRENT → PROJECTED87.5% → 90.9%
    + 3.4 pts recovered by routing
    We model your real uplift from your own transaction data in a working session. No quote, no commitment.
    Processing rate
    itemised
    Service fee
    separate line
    Acquirer cost
    shown in full
    Model my real numbers

    Compliance, by design.

    Not a checklist, a posture.

    Posture, stated
    • 02

      Underwriting & KYB, by your acquirers

      Matched to acquirers who underwrite your vertical and run KYB, so merchants go live in days, not quarters.

    • 03

      Monitoring & chargeback control

      Acquirer-side AML plus routing that rebalances MID load before chargeback thresholds trip.

    • 04

      Multi-jurisdiction posture

      A licensed acquirer per corridor, with isolated environments and encryption in transit and at rest.

    • 05

      MID redundancy & resilience

      Multi-acquirer routing removes single-MID failure as a category of risk.

    01Credential wall

    One unified compliance surface

    Every payment passes the same compliance perimeter regardless of which acquirer executes it. That uniformity is what makes high-risk volume defensible at scale, one surface to audit, not one per acquirer.

    PCI-DSS
    payment card data security
    documentation on request
    SOC 2
    security & availability
    documentation on request
    ISO 27001
    information security
    documentation on request
    GDPR
    EU data processing
    documentation on request
    Best-execution proofs, loggedEvery routing decision recorded with rationale
    0decisions logged

    Documentation is shared with your team during onboarding, under NDA. We don't display badges we haven't earned.

    Fund safetyORCHESTRATION ONLY
    Settlement
    T+1 / T+2
    by your providers
    Custody
    None
    funds never touch INTAFACED
    Funds flow
    Direct
    payer to provider to you
    Security & trust
    Settled

    Stop building the stack. Route through it.

    One integration in front of every acquirer worth routing to, working as one. Book a working session and we will map your flows, show you the acquirers and methods that fit your model, and have your sandbox live the same week.

    Book a sessionhello@intafaced.com
    01What you get

    A method map tailored to your model, yours to keep

    02Who is on the call

    Your acquirer plus a routing engineer

    03Timeline

    One working session, live the same week

    Enquiries

    The questions we get most.

    07questions
    • Underwriting02
    • Routing + MID health02
    • Commercial02
    • Compliance01
    Still have questions?

    Talk through your vertical with someone who routes it every day.

    Book a session

    • Almost certainly. We don't underwrite ourselves; we match you to acquirers who do. High-risk, regulated, subscription, marketplace and cross-border are the models traditional processors turn away, and they go to acquirers that already hold the licences and the appetite to board them.

      Approval rate
      92.4%
      Coverage
      high-risk + regulated
      Acquirer decision
      under 48h

    • Declines cascade in real time. The moment one venue declines, the router re-attempts at the next-best of your onboarded venues in milliseconds, with no change to your checkout. A frozen MID is rebalanced before it touches your conversion.

      Reroute time
      278 ms
      Acquirers
      11 live venues
      Checkout change
      none