We're building the payment orchestration layer that high-risk businesses deserve — intelligent routing, multi-PSP failover, and AI-driven optimization through a single API.
Every year, businesses lose billions to failed payments — declined transactions, suboptimal routing, and single points of failure. VivaPay exists to solve this. Our payment orchestration platform uses AI-driven smart routing to automatically find the best path for every transaction across multiple payment service providers, acquirers, and payment rails worldwide.
Manage multiple PSPs, acquirers, and payment methods through a single unified API. Automatic failover ensures no transaction is lost.
Machine learning algorithms analyze transaction data in real-time to route each payment through the optimal provider for maximum approval rates.
Dynamic routing rules based on geography, card type, transaction amount, and historical performance data across your entire payment stack.
Purpose-built for industries that traditional processors avoid — crypto, gaming, forex, nutraceuticals, and more.
Traditional payment processing is broken for high-risk merchants. Single-provider dependency means one declined transaction or one compliance flag can shut down your entire revenue stream. Payment orchestration changes this — by routing through multiple providers simultaneously, businesses see higher approval rates, lower costs, and zero downtime.
VivaPay takes this further with AI payment orchestration. Our machine learning models continuously learn from billions of transaction signals to predict the optimal route before the payment is even submitted. The result: up to 94% approval rates for businesses that previously struggled to break 75%.
VivaPay OÜ is incorporated under Estonian law, operating within the EU regulatory framework. Estonia's progressive digital infrastructure and e-Residency program make it the ideal base for building global fintech solutions with full European compliance.