
Telco
- Top-ups
- Subscriptions
- Data bundles
Gateway hub, AI-powered anti-fraud and certified processing for e-commerce and the mass market.
Payor analyzes the history of every user and transaction to automatically route each payment through the gateway with the highest probability of approval.
Maximize payment approvals, reduce fraud and enable open OTT subscriptions with a single integration.




We operate critical platforms under international standards for information security and payment data handling.

Compliance with security standards for the secure handling of payment data.

Audited internal controls over the processes that impact our clients' financial information.

Information security management system based on international standards.

We assess and manage third-party risk for a more secure supply chain.
We respond within 24 business hours with a concrete proposal.
Payor is Innovattia's online payment gateway: a hub that connects multiple gateways, routes each transaction to one of the available ones, and protects it with AI-powered anti-fraud and dual tokenization. It processes one-time, recurring, and saved-card payments for e-commerce and the mass market, with online reconciliation and reporting.
Telcos, retail and e-commerce businesses, banks and fintechs, and mass-market companies that collect payments for services and purchases online or by payment link and need to approve more payments without increasing fraud or chargebacks.
It's a single integration that connects your business with multiple gateways. Payor decides which one receives each transaction based on availability, so an issue with one gateway doesn't stop you from getting paid.
Every transaction feeds a historical profile of the customer. Using that profile, biometrics, and the transaction token, the AI-powered anti-fraud system identifies patterns and helps prevent organized e-commerce fraud.
Each transaction generates two encrypted tokens: one linked to the customer and the other to the service. That way, card data isn't exposed in transactions.
Yes. When the bank reports a dispute, Payor submits the case on behalf of the business, backed by the profile, biometrics, and transaction token. The outcome shows up in your online report.
Yes. You can generate a link and send it through any channel, such as WhatsApp, SMS, or email, to collect payments without having an online store.