The payments brain:
routing, risk, orchestration, settlement.
ZenPays is a payment orchestration platform: one integration that runs authorization, capture, refunds, payouts, disputes and settlement across 300+ providers on fiat and stablecoin rails. Every capability below is engineered for control, not comfort.
One API in front of every rail
A payment gateway gives you one provider's yes or no. Orchestration gives you a decision layer above all of them: every transaction is routed to the provider, method and rail most likely to approve it at the best cost, and rerouted when a provider degrades. You integrate once; providers become configuration, not projects.
ZenPays is both the gateway and the orchestration layer, across fiat and stablecoin rails in the same flow. That means one data model for every provider, one ledger across every rail, and one audit trail with a reason code on every routing and risk decision. If a payment was declined or rerouted, your team can see exactly why; if a claim on this page sounds good, the system can show its work.
Unified Payments Core
One integration, many rails
Checkout Experience
Localization, saved methods, 3DS control
Routing Engine
Smart routing + cascading
Risk System
Device/IP graph, velocity, reason codes
Settlement + Treasury
Reconciliation, payouts, stablecoin paths
Ops Console
Alerts, attribution, incident clarity
Unified Commerce Command Center
Transaction truth across the lifecycle
Decision Analytics + AI Agents
Route P&L, performance truth, automation
Built to explain itself
Payments infrastructure fails quietly: a few points of approval rate here, a settlement delay there, fees that creep. The platform is designed so nothing about your payments is unexplained; routing decisions carry reasons, risk actions carry evidence, and reporting shows route-level economics rather than blended averages that hide the loss-makers.
Explore the full feature index, the connector directory, supported payment methods, or the developer integration guide. For vertical specifics, see solutions for marketplaces, gaming and high-risk merchants.