Modern LayBy and flexible payment scheduling platform powered by Stripe
Payment orchestration platform with smart routing, real-time fraud detection, and autonomous optimization
Stage
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Founded
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Based in
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TR
Pricing model
Paid
Contact for pricing
Pricing
Free to use with no monthly fees or setup costs. A small per-plan fee is charged once with the customer's deposit, with the rate set upfront during onboarding.
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Key features
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Adaptive AI routing to select the bank with highest approval rate for each transaction
Cascading failover that automatically retries failed transactions with alternate banks within seconds
Rule engine to define payment policies in readable DSL with shadow mode testing
Card tokenization with PCI DSS scope minimization and hosted fields
Real-time fraud and risk scoring with device intelligence and behavioral anomaly detection
Automated reconciliation with end-of-day settlement file matching
Support for 20+ banks and payment service providers including Stripe, Adyen, and Turkish banks
3D Secure 2.1 and 2.2 support with automatic step-up triggering by risk score
Cost-first routing with fee calculation in less than 2 milliseconds
Immutable audit trail and explainable routing decisions with reason codes
What makes it different
Increases average order value by 27% across active merchants
Free to use with no monthly or setup fees
Works seamlessly with existing platforms merchants already use
Single API integration to 20+ banks eliminates wiring up banks individually
AI model learns from every transaction and adapts routing in real-time
Transparent routing decisions versus black-box alternatives
Idempotent core ensures payments are never charged twice
Flexilay
Lunixi