Payment gateway made easy and secure

Gateway hub, AI-powered anti-fraud and certified processing for e-commerce and the mass market.

See capabilities
0M+Transactions per day
+0Integrations
99.999%Uptime
-30%Reduction in declines

Intelligence built around the customer

Payor analyzes the history of every user and transaction to automatically route each payment through the gateway with the highest probability of approval.

Simpler, better and faster.

Technical capabilities. Unified, secure payments

Anti-fraud modulesKeep you from falling victim to organized e-commerce fraud.
Payment linkGet paid with a link from any channel.
Refund guaranteeChargeback and dispute management.

Technical architecture. Monetization stack

Maximize payment approvals, reduce fraud and enable open OTT subscriptions with a single integration.

Use cases by industry.

Example of Payor: Telco
Charges

Telco

  • Top-ups
  • Subscriptions
  • Data bundles
Example of Payor: Retail and e-com
Checkout

Retail and e-com

  • Checkout
  • Payment link
  • Wallets and installments
Example of Payor: Banking and fintech
Collections

Banking and fintech

  • Bill payments
  • Collections
  • Loans
Example of Payor: Mass market
POS and distribution

Mass market

  • Physical POS
  • Kiosks
  • Distribution and agents

Security, compliance and certifications

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

Seal PCI DSS

PCI DSS

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

Seal SOC 1 Type II

SOC 1 Type II

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

Seal ISO 27001

ISO 27001

Information security management system based on international standards.

Seal CyberGRX

CyberGRX

We assess and manage third-party risk for a more secure supply chain.

Shall we put it to work in your business?

We respond within 24 business hours with a concrete proposal.

What is Payor?

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.

Who it's for

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.

Benefits

  • Smart routing. Each transaction is dynamically routed across the available gateways.
  • AI-powered anti-fraud. Every payment feeds a historical profile of the user to detect fraud patterns.
  • Dispute management. Payor handles chargebacks on behalf of the business.
  • Certified payments. Processing compliant with PCI DSS, SOC 1 Type II, and ISO 27001.

Frequently asked questions about Payor

What is a payment gateway hub?

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.

How does Payor prevent fraud?

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.

What is dual tokenization?

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.

Does Payor handle chargebacks?

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.

Can I collect payments with a payment link?

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.