Power every merchant touchpoint with limitless potential
Offer what legacy stacks can’t: instant merchant funding, zero chargebacks, and seamless global acceptance. IoniaPay unifies fraud-free processing, direct card connectivity, and intelligent routing into one modular platform. Optimize every payment flow and grow your portfolio with unmatched speed, control, and reliability.
Instant. Unreserved. Unmatched.
IDP isn’t just fast—it’s instant. No holds. No rolling reserves. No delay. Merchants get immediate access to their revenue. Legacy funding restrictions? Gone.
Near-real-time or same-day settlement by default.
Zero rolling reserves, even in hard-to-place verticals.
Approvals where others say no.
Immediate liquidity → lasting loyalty.
Fraud elimination without compromise
F3 doesn’t just predict fraud—it prevents it. Instantly.
This isn’t AI scoring, analytics, or post-event reporting. F3 is production-grade technology that stops fraud in real time, before authorization.
Pre-authorization fraud elimination with zero added friction.
Multi-layered, real-time screenin built directly into the transaction flow.
No delays. No false positives.
Protect merchant margins, slash losses, and restore trust at checkout.
This is not added insight. It’s an operational firewall.
Fewer declines. More approvals
IoniaPay Orchestration connects merchants to over 200 gateways, processors and payment methods, powering dynamic routing with full-stack payment intelligence.
Dynamic routing for higher approval rates.
Resilient routing to maintain consistent uptime.
Rapid expansion into new regions and local payment methods.
Integrated card acceptance for processing gaps
Give merchants reliable access to card payments, regardless of the risk profile or model.
Leverage a 50+ network of banking partners to unlock approvals.
Support HRI and cross-border merchant needs.
Deliver global card acceptance across regions and currencies.
Complement existing payment stacks without added friction.
Unified, intelligent, powerful—by design.
IoniaPay redefines payment infrastructure by unifying the entire payment stack. It accelerates settlements and reduces funding delays and fraud losses across your portfolio.
Challenge
Fragmented payment systems
IoniaPay
Revenue loss from fraud & chargebacks
High and unpredictable
Eliminated with F3
Fund availability
Days, with rolling reserves
Instant with IDP
Payment optimization & routing
Manual, complex, inefficient
Automated & intelligent Orchestration
Card acceptance infrastructure
Complex, fragmented
Simplified & Universal with ACQ
Drive stronger merchant performance
Deliver faster, more reliable payments that drive conversion and strengthen merchant credibility.
Reduce cart abandonment.
Safeguard revenue from Payment Service Provider (PSP) downtime.
Support cross-border payments.
Accelerate reconciliation.
Simplify merchant PCI compliance.
Help minimize customer disputes and errors.
Integrate seamlessly with your merchants’ existing systems
IoniaPay works directly with your merchants' current payment stack. No rip-and-replace, no disruption to trusted partners or tools already in place.
