Acquirer orchestration
Reach multiple acquirers and local methods through one integration instead of maintaining every connection yourself.
Industries / Payment Aggregators
One integration for every
acquirer and method.
Aggregators lose margin to failed integrations and blunt routing. Credible orchestrates acquirers and local methods behind one API, then routes each transaction for the best chance of approval.
01. Why Credible for payment aggregators
Orchestration that protects approval rates.
Route across acquirers and local rails, settle to sub-merchants, and reconcile in real time, all from a single integration.
Intelligent routing
AI-powered routing sends each transaction down the path most likely to authorise, lifting approval rates.
Split settlement
Split a single payment across sub-merchants and fees automatically, no manual ledger reconstruction.
Sub-merchant payouts
Pay out to sub-merchants across 40+ markets by bank, wallet, card, or cash pickup from one balance.
Real-time reconciliation
Every capture, split, and payout streams to a single reconciliation feed over webhooks as it happens.
Stablecoin or fiat settlement
Settle to bank via ACH/SEPA or on-chain in USDC/USDT on Solana and EVM, per merchant or per market.
02. How it works
Accept. Route. Settle.
One stack takes a payment from checkout to reconciled settlement across every merchant you carry.
01 · Accept
Global pay-in
Accept cards, UPI, Pix, SEPA, ACH, wallets, and stablecoins through one integration for all your merchants.
02 · Route
Approval-first routing
Route each transaction across acquirers and local rails to maximise authorisation, with intelligent retries.
03 · Split
Split & sub-merchant payout
Divide funds across sub-merchants and fees, then pay each out by bank, wallet, card, or cash pickup.
04 · Settle
Fiat or stablecoin
Settle to bank via ACH/SEPA or on-chain in USDC/USDT, with real-time reconciliation on every movement.
03. Use cases
Platforms we power.
PSPs & PayFacs
Merchant-of-record platforms
Onboard sub-merchants, route for approval, and settle each one without wiring up acquirers by hand.
Marketplaces
Multi-seller split payouts
Take one buyer payment and split it across sellers and platform fees, then pay out across 40+ markets.
Vertical SaaS
Embedded payments
Add pay-in, split settlement, and payouts to your platform through one API instead of a payments team.
Every acquirer and method, behind one integration.
Onboard, complete KYB, and route real volume across acquirers and markets, without a connector per partner.