Solutions · Acquirers & Merchants

More approvals.
Fewer chargebacks. Lower cost.

The acquiring stack that treats every basis point as sacred — a global gateway, specificity-scored orchestration, pre-authorization screening and 3-D Secure, tuned together to lift approval rates where it counts: at the authorization.

Start accepting payments Talk to sales
+3.8pp
Median approval lift
<80ms
Routing decision
25+
Payment methods
99.99%
Platform uptime
The acquiring stack

Every stage of the charge, covered.

Four products compose into one authorization path — gateway, orchestration, screening and strong authentication — under a single integration and one settlement report.

Acquiring

QGate

Global payment gateway

One integration to accept cards, bank transfers, virtual accounts, USSD, QR, mobile money, UPI, Pix and more — with a hosted checkout that adapts to the payer's country automatically.

Explore QGate Acquiring

QRoute

Intelligent payment orchestration

Specificity-scored routing rules steer every charge to the best gateway by country, currency, method and amount — with automatic failover when a rail degrades.

Explore QRoute Risk

QShield

Fraud & risk management

Rules-based pre-authorization screening: velocity checks, thresholds, blacklists and geo signals — flag or block before money moves.

Explore QShield Security

Q3DS

3-D Secure server

EMV 3-D Secure authentication for issuers and acquirers, engineered for frictionless flows and regulatory compliance across markets.

Explore Q3DS
Orchestration in action

The right rail, chosen per charge.

QRoute scores every routing rule by specificity — country, currency, method and amount band — and steers each charge to the gateway most likely to approve it. When a rail degrades, failover is automatic and invisible to the payer.

Least-cost routing Automatic failover Smart retries A/B rails
Charge₦185,000.00 · card
Matched ruleNG · NGN · card · >₦100k
Primary routeQPay
Failover chainPaystack → Sandbox
QShield verdictPass
ResultApproved · 380ms
Built for the economics of acquiring

Engineered around the numbers that decide margin.

The stack is built around approval rate, interchange, chargeback ratio and local conversion — the metrics that separate a profitable book from a thin one.

  • ✓One contract, every methodCards, bank transfer, virtual accounts, USSD, QR, mobile money, UPI and Pix behind a single integration and one settlement report.
  • ✓Fraud stopped pre-authVelocity checks, thresholds, blacklists and geo signals run before money moves — declines you never pay interchange on.
  • ✓Checkout that converts locallyThe hosted checkout detects the payer's country and leads with the rails that actually convert there. One integration, local everywhere.
What you get

An acquiring surface with nothing missing.

Everything from the first authorization attempt to reconciled settlement, under one integration and one report.

✓Specificity-scored routingEvery charge matched to the most precise rule — country, currency, method and amount band — then routed to the gateway most likely to approve.
✓Automatic failover & smart retriesDegraded rails are bypassed in-flight; recoverable declines are retried on an alternate route without payer friction.
✓Pre-authorization screeningQShield runs velocity, threshold, blacklist and geo checks before authorization, so you never pay interchange on fraud.
✓3-D Secure, applied by policyQ3DS triggers strong customer authentication only where your rules require it — shifting liability without taxing conversion.
✓Geo-aware hosted checkoutThe payer's country resolves the method list; local rails lead, so conversion holds in every market from one integration.
✓Unified ledger & settlementFees, net and payouts across every method reconcile into a single report on your settlement schedule.
Go live in days

Integrate in an afternoon. Convert everywhere.

Create a free account, build against test keys today, and pass KYC review to route live volume through the full acquiring stack.

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