Paynexus is a payment orchestration platform, not a PSP. We sit between your application and the 100+ payment providers you'd otherwise integrate one by one — giving you a single API surface, automatic failover, and full observability over every transaction.
Think of Paynexus as payment middleware. Your application never talks directly to a PSP. Instead, you talk to Paynexus, and Paynexus picks the best PSP, handles the integration, retries on failure, verifies callbacks, and gives you a unified view of every transaction in your business.
It's not a PSP. We don't process cards ourselves. We're the layer that makes working with PSPs — all of them, at the same time — tractable.
Your systems are on the left, Paynexus in the middle, payment providers on the right. All traffic between them is HTTPS; callbacks from PSPs are HMAC-verified before they reach you.
The primary interface. Language-agnostic. Every operation — deposits, withdrawals, status, balances, payway catalog — happens over JSON endpoints with idempotency keys, signed callbacks, and structured error envelopes. Most integrations never need anything else.
Multi-tenant web panel built on Filament v3. Configure routing rules (per merchant, per country, per payway), issue API keys, monitor transactions in real time, replay failed webhooks, and manage team RBAC — all without deploying code.
Framework-agnostic (PHP 7.4+). Spec-driven architecture — adding a new PSP is a PHP array file, not a refactor. Use it when you need direct PSP access outside the REST API, or when you want to package a custom provider.
Full API parity at api-sandbox.paynexus.io. The Debug module lets you force specific outcomes (success, pending, failed, declined, transport_error) via a single request parameter — test every error path in CI.
Every transaction state change posts a signed event to your endpoint. 5 retries with exponential backoff (0s → 2s → 8s → 32s → 2m), HMAC-SHA256 signatures, and full replay from the Cabinet. You never lose a transaction update.
Prometheus-ready metrics, structured JSON logs, per-request tracing, and SLI/SLO tracking targeting 99.5%. Release gates prevent bad deploys from reaching production. Your team sees what we see.
Here's a typical card deposit, end to end. The entire flow completes in 2–10 seconds for the synchronous parts; webhooks arrive asynchronously when the PSP confirms settlement.
Your app renders the order summary and collects payment method choice.
POST /v1/deposits with amount, currency, payway, and an idempotency key (your order ID).
Our routing engine picks the optimal PSP based on your rules, PSP health, and the customer's region.
We wrap the PSP's response and return a clean redirect_url for your app to send the customer to.
Standard hosted-page flow. PSP handles 3DS, card entry, and authorization.
We verify the PSP signature, update our ledger, and emit a deposit.completed event.
HMAC-SHA256 signed payload arrives at your endpoint. Verify, update order status, fulfill.
Webhook delivery is complete. If you return non-2xx, we retry with exponential backoff up to 5 times.
A clear split is the whole point of an orchestration layer. You own your product and your ledger. We own the payment plumbing.
Best for most merchants. Any language, any framework. Call our endpoints, handle our webhooks, done. Ship in days.
Best for PHP monoliths that need direct PSP access or want to add custom providers. composer require paynexus/sdk-core.
Common in complex businesses. Use REST API for customer-facing deposits and the SDK for back-office payout flows. Same keys, same transaction IDs.
Every PSP has its own API, webhook format, edge cases, and incident channels. Integrating one well takes 2–4 weeks. Ten takes a year of engineering time — time you don't get back.
When a PSP has an outage (they all do), your revenue stops unless you have a tested failover. Our circuit breaker and multi-PSP cascade routing already handle this — battle-tested at casino-scale.
Card data never touches your servers when you use our hosted flows. Compliance scope stays small and audits stay cheap.
Our PSP rates come from aggregate volume. A new merchant immediately benefits from our negotiated pricing — rates you'd need years to earn on your own.
Free sandbox. Production when you're ready. No contracts.