The layer between your checkout and every processor you use.
SoniqPay provides the technology that ensures you are getting the most from your payment processing — a gateway and vault, an orchestration engine that routes every transaction to its best available path, and a fraud prevention engine willing to stand behind its own decisions.
One integration, limitless providers. Connect the MIDs you already hold and route across every one of them from a single API.
Six components. One integration. Take what you need.
Each piece works on its own and gets sharper in combination — the fraud engine informs the router, the router feeds recovery, and everything lands in one ledger.
Gateway & Vault
A fully branded gateway and PCI-scoped vault that holds your card data as your tokens, not a processor's.
ExploreOrchestration & Smart Routing
A rules engine that decides where every transaction goes, watches how it performs, and reroutes when it doesn't.
ExploreAI Fraud Prevention
Model-scored risk decisions before authorization, tuned to your vertical instead of a generic retail baseline.
ExploreGuaranteed Transactions
Qualified transactions carry a fraud-chargeback liability shift, so an approval you keep stays an approval you keep.
ExploreLost Transaction Recovery
Recover revenue that was approved by nobody and lost by everybody: soft declines, expired cards, and abandoned retries.
ExploreConsolidated Reporting
One ledger across every processor, reconciled to settlement, with the decline detail your finance team keeps asking for.
ExploreGet the most out of the processing you already have.
SoniqPay provides the technology that ensures you are getting the most from your payment processing. Most platforms lose revenue in the gaps between their providers — a transaction routed to the wrong MID, a soft decline nobody retried, fraud caught after the loss rather than before it. One integration in front of every provider closes those gaps.
// One call. Routing, scoring, and coverage decided inline. { "amount": 24800, "currency": "USD", "token": "tok_9fk2_live_8823ba", "customer": "cus_41ba90", "routing_profile": "us-cards-default" } // 200 OK { "status": "approved", "processor": "mid_03", "attempts": 2, "risk": { "score": 0.08, "action": "approve" }, "guaranteed": true, "latency_ms": 689 }
From capture to consolidated ledger.
The same path every time, with the decisions made where they are cheapest to make — before authorization rather than after settlement.
Capture and tokenize
Card data enters our PCI-scoped vault at the browser or app. Your systems only ever hold tokens.
Score and decide
The risk engine returns a score and a coverage decision inline, before an authorization is attempted.
Route and recover
The rules engine selects a MID, cascades on failure, and refreshes stale credentials automatically.
Reconcile and report
Every attempt, fee, refund, and dispute lands in one ledger matched to actual settlement.
Verticals where payments are the hard part.
Complex risk profiles, multiple providers, high transaction counts, and regulators watching. That is the environment this platform was designed inside.
Fantasy, sweepstakes & wagering
Deposits and payouts on the same customer object, geo-aware routing, and models trained on top-up behavior rather than shipped goods.
Prediction markets
High-frequency, low-value funding events where micro-transaction economics and approval rates decide whether the model works.
Marketplaces & SaaS platforms
Nested sub-merchant hierarchies, scoped reporting, and a checkout your merchants never see our name on.
Bring your own MID. We will bring everything else.
Early access is opening to platforms running real volume. Tell us your stack and we will tell you plainly where the technology moves your numbers.