Follow every payment from approval to settlement
Each card payment moves through clear stages, authorised, captured, pending settlement and settled, and you can see where every payment is.
Authorisation
The card issuer approves or declines the amount in real time.
Capture
Approved funds are captured for your order.
Settlement cycle
Captured funds are settled on the cycle set out in your merchant agreement, less any rolling reserve.
Refunds
Issue full or partial refunds from the dashboard or API.
Exceptions
Declines, refunds and disputes are shown with their current status, so you can see what needs attention.
Payout currency
Receive settlement in USD, or converted to USDT (TRC-20).
More detail
From authorisation to settlement
Payment processing covers every step of a card payment, from authorisation and capture to settlement. Payixay manages each step and shows you where every payment stands, so you can focus on running your business.
Core Benefits
Fast Transaction Handling
Card payments are authorised in real time, so customers get an immediate result at checkout.
Accurate Records
Every payment is logged with a reference and status history that you can export and match against settlement statements.
Secure and Compliant
Payments run on our technology provider’s PCI DSS-certified infrastructure, with 3-D Secure authentication where required.
Supports Multiple Methods
Accept Visa and Mastercard credit, debit and prepaid cards, plus Amex and JCB depending on your account, charged in USD, EUR or GBP.
How card processing works
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Transaction Initiation
A customer submits a payment through your site or app. -
Authorisation Request
Payixay checks the payment details and verifies available funds. -
Processing and Routing
The system routes the transaction through the card networks or payment methods. -
Response Received
The issuer approves or declines the payment, and the result is returned to your checkout and sent to your webhook endpoint. -
Settlement
Approved funds are settled into your merchant account after processing.
Why Businesses Choose Payixay for Processing
Payixay’s payment processing is built to help you:
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Accept international card payments in USD, EUR or GBP
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Receive settlement in USD or USDT (TRC-20)
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Issue full or partial refunds from the dashboard or API
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Track every payment by reference and status
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Reduce your PCI DSS scope by using the hosted payment page
Get Started
Start accepting card payments with Payixay
Tell us about your business. Our onboarding team reviews every application and replies within one business day.