Power every payment. Own your platform.

One intelligent infrastructure to connect payment providers, orchestrate transactions, manage merchants, and launch your own branded payments business.

One infrastructure. Four ways to put it to work.

AQ Pay is a payment gateway and orchestration layer you can run under your own brand, use for your own merchants, or extend with our advisory team. The same core handles connectivity, routing, risk, reconciliation and reporting — however you deploy it.

Launch your own payments business on infrastructure you don't have to build.

License the AQ Pay portal, apply your brand, onboard the merchants you've authorised, connect the acquirers and PSPs you work with, and run the whole operation from one multi-tenant control plane. You own the customer relationship; we run the rails.

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Make it yours in seconds.

Choose a sample brand, pick a colour and switch themes. Tenant branding carries across the login, the merchant dashboard and hosted checkout. All merchants and transactions shown are sample data — nothing here touches live processing.

From a single merchant account to multi-currency, multi-provider acceptance, we help you integrate, configure and operate — including for business categories that mainstream providers decline. Eligibility depends on industry, geography, underwriting and partner approval.

The Conductor decides where each transaction should go.

One unified API in front of every provider you connect. Rules you define — by currency, card type, region, amount, method or provider health — select the primary route, and cascading retries on an eligible alternative when a provider declines or degrades. Pick a scenario to see the logic.

Every transaction passes through a secure gate before it reaches a provider.

Configurable screening runs before authorization: velocity limits, geography and BIN rules, device and behavioural signals, list checks, and 3-D Secure where it's required or beneficial. Flagged transactions can be declined, challenged, or held for review — and every decision is logged for your dispute team.

Integrate once. Connect to every provider you need.

Merchants and tenants integrate a single REST API, hosted checkout or SDK. Behind it, AQ Pay maintains the connector layer to acquirers, PSPs and alternative payment methods — so adding or swapping a provider is configuration, not a re-integration.

curl -X POST https://api.yourbrand.example/v1/payments \
  -H "Authorization: Bearer sk_sandbox_…" \
  -d '{
    "amount": 12800,
    "currency": "EUR",
    "payment_method": { "token": "tok_…" },
    "routing": { "profile": "eu-cards-default" },
    "merchant_id": "mer_sample_01"
  }'

// 200 OK — provider selected by routing profile
{ "id": "pay_…", "status": "authorized",
  "route": { "provider": "acquirer_a", "attempt": 1 } }

Built for the business models that stress ordinary gateways.

Predictable REST resources, idempotent requests, signed webhooks, a full sandbox and hosted components for the parts you'd rather not build. Documentation, quick start and API reference ship in Stage 2 of this site.

Designed so sensitive data stays out of your scope.

The platform is architected around tokenization, environment separation and least-privilege access. The controls below describe how the platform is designed; formal certification and attestation details are published on the Security page as they are completed — we don't claim status we can't document.

Build it yourself, or launch on AQ Pay.

An honest comparison of what you take on with each path. Timelines and costs vary by scope — we'll size yours in a demo.

Common questions

Ready to own your payments platform?

Tell us about your business and we'll walk you through the portal, routing engine and white-label model with your use case in mind. No scripted pitch — a working session with people who run payment infrastructure.

• 45-minute live walkthrough
• Sandbox access for your team afterwards
• Written follow-up on eligibility and scope