Orchestrators
Platform
Autonomous Payment FabricOne integration, unlimited acquirers.Global Scale
Process payments across 180+ markets with a single, intelligent control plane.
One Integration.
Unlimited Acquirers.
Payments That Think.
Connect to any bank or PSP through a single API. Intelligent routing maximizes conversion, autonomous rules enforce policy, and real-time risk scoring stops fraud — all without changing your code.
One API, every bank
+3% approval uplift
Connected to 20+ banks & acquirers
One integration,
four concrete wins.
The hidden cost of wiring up banks one by one is gone. Same code, same dashboard — a better outcome on every payment.
Higher approval
Every payment is routed to the bank with the highest approval for that card — you're not stuck with one bank's rate.
Lower cost
Cost-first routing and On-Us detection pick the cheapest bank for every single transaction.
Zero loss
If a bank stops responding the payment isn't lost; failover to the next bank kicks in within seconds.
One integration
11+ banks, 1–12 installments, reconciliation and risk in one dashboard. Adding a bank is one line — maintenance isn't on you.
all from one integration
Explore the routing engineRouting intelligence that
learns from every payment.
Every payment is scored on five signals and routed to the highest-ranked bank; if a bank goes down, the next candidate takes over within seconds. The model learns from every transaction and adapts as conditions change.
<2 ms
fee calculation
every 60 s
bank health check
11+
banks in rotation
Watch a payment think
Your payment is checked in milliseconds and sent to the bank most likely to approve it. If that bank declines, we recover the sale automatically — your customer never notices a thing.
Everything your payment stack needs
From intelligent routing to autonomous fraud prevention — built for engineering teams that refuse to compromise.
Smart Routing
BIN-based, cost-optimized, health-aware routing with a self-learning model. Every transaction finds the best path — automatically.
Learn more →Cascading Failover
When a bank goes down, traffic shifts in milliseconds. Pre-3D and post-3D failover phases handled separately with full audit trail.
Learn more →Rule Engine
Write payment policies in a readable DSL. Shadow mode lets you test rules in production traffic before going live. Full explainability on every decision.
Learn more →Card Storage
PAN never touches your servers. Hosted tokenization with merchant-scoped and platform-scoped card storage. PCI scope shrinks to near zero.
Learn more →Fraud & Risk
Real-time risk scoring with device intelligence, velocity checks, and behavioral anomaly detection. Every decline comes with an explainable reason.
Learn more →Reconciliation
Automated end-of-day matching against bank settlement files. Missing, extra, and mismatch reports generated instantly.
Learn more →Not a gateway. Not a black box.
Three ways to run payments — only one of them learns.
Gateway
One pipe to one bank. If it declines, you lose the sale.
- Single acquirer
- No failover
- Zero learning
Orchestration
Every transaction scored, routed and recovered across many banks — and it gets smarter every day.
- Multi-acquirer routing
- Cascading failover
- Self-learning model
Black box
Decisions happen, but nobody can tell you why. Audits stall and teams guess.
- Hidden logic
- No decision trace
- Vendor lock-in
Up and running in 3 steps
Integrate once
One REST API, one SDK, one contract. Connect your checkout or backend in under an afternoon.
Write your rules
Define routing logic, risk thresholds, and 3DS policies in plain language. No re-deploys required.
Let it optimize
The routing engine learns from every transaction. Conversion rates climb while costs fall — automatically.
Not a payment. An intent.
You declare what should happen — collect ₺1,200 from this customer. Card, instant transfer, QR or link: the fabric picks the completion path and sees it through.
Same intent · different completion paths · one audit trail
Built for regulated environments
Every architectural decision was made with compliance in mind — not bolted on after.
PCI DSS Scope Minimization
Hosted fields and tokenization keep raw card data off your infrastructure entirely.
3DS 2.1 & 2.2
Full frictionless and challenge flow support. Step-up triggered automatically by risk score.
CBRT Guideline Ready
Transaction monitoring, suspicious activity detection, and behavioral fraud signals aligned with Central Bank requirements.
Immutable Audit Trail
Every state transition, every routing decision, every risk signal — persisted and queryable.
// Create a payment intent — 5 lines
const intent = await lunixi.intents.create({
amount: 4500,
currency: "TRY",
merchantId: "m_01HTXK",
metadata: { orderId: "ord_123" },
})
// → { id: "pi_01HTXK...", status: "ROUTED",
// route: "GARANTI", score: 0.89 }Developers ship faster here
A great DX isn't a luxury — it's how we keep integration errors out of production.
What's live, what's next, what's coming
- 2D/3D payments
- Smart routing
- Card storage
- Webhooks
- Idempotency
- Limit engine
- Commission engine
- Multi-tenant
- Rule Engine DSL
- Shadow mode
- No-code flow builder
- Intent recovery mesh
- Dispute workflow
- Federated risk memory
- Immutable ledger
- Autonomous routing control plane
- Subscription recovery brain
- Global multi-currency
Ready to replace your payment stack?
Talk to our team and get a live demo tailored to your integration complexity.
Enterprise inquiry → [email protected]