Payment orchestration built for performance
Connect, route and settle your entire payment stack through one platform. Cards, local methods and crypto, with multi-acquirer routing, instant settlement and no rolling reserve.
Access by approval only. Built for high-risk and high-volume businesses.
150+ payment methods, already integrated and contracted
One platform for every part of your payment flow
Built to boost conversion
A hosted checkout that shows each customer the methods that convert in their market, in their language and currency. Cards with adaptive 3DS, local bank rails, wallets and stablecoins in one flow.
- Localised by default. Method order, currency and language follow the customer’s market.
- Saved methods and one-tap deposits through a PCI-compliant vault.
- Your brand, not ours. Colours, fonts and layout match your product.
Route smarter, approve more
Every payment is scored and sent to the acquirer most likely to approve it. Soft declines cascade to the next route before the customer notices, and Acqwire AI keeps your priority order tuned to live performance.
Explore the routing engine- Priority routing. Decide the order of every acquirer, per method, market and amount.
- Cascading. Soft declines retry on the next acquirer automatically, in the same session.
- Acqwire AI. Suggests a better order from live approval data. You review and accept.
Turn data into action
Approval rates by acquirer, BIN and country. Decline reasons you can act on. Chargeback ratios against scheme thresholds. One view, no black boxes between you and your money.
- Real-time dashboard across every provider and method.
- Automated reconciliation of payments, fees and settlements per provider.
- Export anywhere. CSV, warehouse sync and webhooks for finance.
Instant settlement, no rolling reserve
Funds reach your accounts as they clear, in fiat or stablecoin. No 180-day holds, no liquidity trapped at the processor, and a fiat ⇄ crypto gateway through regulated partners.
- Multi-currency accounts in EUR, USD, GBP and local currencies.
- Payouts on every rail, including instant player and trader withdrawals.
- Stablecoin settlement with on-chain confirmation in your dashboard.
Payments approved. Control never compromised.
Every transaction is routed and settled through multi-provider infrastructure, with approvals, compliance and liquidity continuously optimised.
Multi-acquirer routing
Cascade across acquirers, MIDs and regions with one rule set. Soft declines are retried before the customer notices.
Routing engineSingle API integration
One object model for payments, payouts, settlements and disputes across every rail. Ship in a week, not a quarter.
API & SDKsAlternative payment methods
Pix, UPI, SEPA Instant, Open Banking, wallets and 140+ more local rails, contracted and live from day one.
Payment methodsFiat ⇄ crypto gateway
Accept stablecoins and settle in fiat, or the reverse, through regulated partners with on-chain confirmation.
SettlementReal-time visibility
Every approval, decline reason, chargeback and settlement in one view. No black boxes between you and your money.
Payment analyticsCompliance integrity
KYB, AML and sanctions screening inside onboarding, monitored continuously after go-live. Audit-ready by default.
Security & complianceTake control of risk
High-risk verticals attract fraud and chargebacks. Acqwire screens every transaction before it reaches an acquirer, so approval rates stay high and your MIDs stay open.
Device, velocity, BIN and behavioural signals scored in under 40 ms, before routing.
Frictionless where exemptions apply, challenge only where liability shift matters.
Alerts, pre-dispute refunds and automated representment keep ratios under scheme thresholds.
Ongoing monitoring across fiat and on-chain flows with audit-ready reporting.
Made for high-volume, high-risk payments
Nine verticals where conventional processors say no, hold reserves or quietly cap your volume. Each gets routing, methods and risk controls tuned to how it actually pays.
Numbers that move your P&L
Average approval rate
Intelligent routing and decline recovery built to increase successful transactions.
Rolling reserve
Liquidity stays under your operational control from the first settlement.
Platform uptime
Multi-region infrastructure built for always-on operations.
Acqwire vs a traditional processor
Single-acquirer processors manage high-risk merchants by holding money and saying no. Orchestration manages risk per transaction instead.
What a few approval points are worth
Move the sliders to model your volume. Most merchants underestimate what soft declines and reserves cost them every month.
Local acquiring in the markets you sell in
Domestic acquirers and local methods lift approval rates and cut cross-border fees. Acqwire connects you to each region through the same integration.
From application to global payment execution
No delays, no rolling reserve. Most approved merchants are processing within days of integration.
Submit your business profile, transaction volume and operational requirements.
Access is granted selectively after operational, risk and compliance assessment.
Connect once through the API or hosted cashier to activate every rail.
Routing and retries continuously raise approvals and keep settlement flowing.
An API your team can ship in a week
Typed SDKs, idempotent requests, signed webhooks and a sandbox that behaves like production, including declines and retries.
- One object model. Payments, payouts, settlements and disputes share one schema across every rail.
- Routing as config. Define rules in the dashboard or pass
routing: "auto". - SDKs for TypeScript, Python, PHP and Go, plus plug-ins for your existing cashier platforms.
Frequently asked questions
What is payment orchestration and how does Acqwire work?
Who is Acqwire built for?
Is there really no rolling reserve?
How do I get started?
Does Acqwire hold client funds?
Connect and grow with 150+ payment methods
Cards, wallets, bank transfers, local schemes and stablecoins, already integrated and already contracted. Switch any of them on from your dashboard, no new agreements, no new integration.
New methods without new integrations
Every rail is pre-contracted through Acqwire. Enable it in the dashboard and it appears in your cashier.
The engine orders methods per market and routes each transaction to the best acquirer for that rail.
Pix, SEPA, cards and USDT all settle to the same accounts and reconcile in the same report.
Build on one API for every rail
Typed SDKs, idempotent requests, signed webhooks and a sandbox that behaves like production, including declines, retries and 3DS challenges.
One object model
Payments, payouts, refunds, settlements and disputes share one schema whether the rail is Visa, Pix or USDT.
Webhooks you can trust
Signed, ordered, retried with backoff. Replay any event from the dashboard.
SDKs and plug-ins
TypeScript, Python, PHP and Go SDKs, plus drop-ins for the cashier platforms your product already uses.
Core endpoints
Test the hard parts before go-live
The sandbox simulates declines by reason code, issuer timeouts, 3DS challenges and routing cascades, so your retry logic is proven before a real customer hits it.
- Magic amounts trigger specific decline reasons and 3DS flows.
- Webhook replay to test idempotency and ordering.
- Routing simulator shows which acquirer would win and why.
Built to the standard your acquirers expect
Compliance isn’t a vendor you bolt on. KYB, AML, card-data security and audit-ready reporting are part of the infrastructure every transaction runs through.
Card data security
Tokenisation and vaulting on PCI DSS compliant infrastructure. Card data never touches your servers.
KYB & AML
Verification, sanctions and PEP screening built into onboarding and monitored continuously after go-live.
Data protection
GDPR-aligned processing, EU data residency options and encryption in transit and at rest.
Audit-ready reporting
Full transaction, routing and settlement logs available to your compliance team and partners.
Operational resilience
Multi-region infrastructure with automatic failover between acquirers and processors. If a provider degrades, routing moves traffic before approval rates fall.
- 99.99% platform uptime target
- Provider health monitored per BIN and region
- Public status page and incident history
Responsible access
We decline more applications than we approve. Selective onboarding protects the acquiring relationships every merchant on the platform depends on.
- Licence and jurisdiction checks per vertical
- Transaction monitoring with human review
- Clear client-acceptance policy
Turning digital value into real-world impact
Acqwire builds payment technology infrastructure for businesses that are complex, high-volume or high-risk. We believe payments can be approved without giving up control over liquidity, data or compliance.
Control first
Merchants keep ownership of their payment credentials, their data and their liquidity. We orchestrate; we don’t lock in.
Selective by design
Access is granted after risk and compliance review. It protects every merchant already on the platform.
Infrastructure, not a reseller
Routing, settlement and risk run at the infrastructure level, not stitched together from third-party dashboards.
Why most processors say no, and why we can say yes
Conventional processors manage risk by holding reserves and rejecting verticals. We manage it at the transaction level: scoring before authorisation, adaptive 3DS, chargeback programs and continuous AML. That lets us approve more and reserve nothing.
Build the rails for the hardest payments
We hire engineers, risk analysts and payments specialists who like difficult problems. Remote-first, EU-based.
See open rolesLet’s build your payment stack
Three short steps, about four minutes. A payments specialist reviews every application personally and replies within two business days, with a tailored setup or a clear answer.