MCC-sensitive routing, P2P card rails, instant crypto payouts, integrated AML, and a validation chain built for the highest-regulation, highest-velocity payments use case on the planet.
Card deposits for iGaming decline at 2–3× the rate of e-commerce — MCC 7995 triggers automatic issuer blocks in many markets. Withdrawals need to settle in minutes, not days, or players churn to competitors. Regulators demand AML screening on every crypto transaction. Payouts need to flow through P2P networks, crypto rails, and traditional banking simultaneously.
Building this in-house is an 18-month project that never really ends. Paynexus ships it as a product.
MCC-aware routing tries card rails, then falls back to P2P and crypto — recovering the 30–40% of deposits that single-PSP setups lose to issuer declines.
Instant crypto payouts (USDT TRC20, BTC, TON) and P2P card credits complete in under a minute. Wire transfers fall back to T+1 automatically.
Pre-integrated with AMLBot, Chainalysis, and regional KYC providers. Every crypto transaction screened inline, audit trail preserved.
Cards, SBP, SEPA, P2P card-to-card, local APMs, and 10+ crypto assets. Whatever your player wants to use, we support.
Try card rails first; on decline, cascade to P2P card networks; on still-declined, offer crypto. Routing chains are configurable per market, per currency, per amount band.
Real-person-to-real-person card transfers via the Ampay network. Bypass MCC blocks entirely — funds move as a standard consumer transfer, with built-in fraud screening.
USDT (TRC20/ERC20), BTC, TRX, TON, LTC, ETH — processed in seconds with on-chain confirmation webhooks. Hot wallet managed by us; you just call the API.
Every crypto deposit and payout runs through configurable AML providers before settlement. Blocked addresses, sanctions lists, and risk-scored wallets are flagged and held pending review.
16 built-in validators: merchant balance, KYC status, country restrictions, request-amount limits, weekday rules, verification level, wager-to-deposit ratio, blacklist checks, and more. Configurable per-jurisdiction.
Backend on Laravel Octane + RoadRunner. Persistent worker processes handle 10,000+ requests per minute per merchant on the Unlimited tier.
In the Cabinet, define fallback order: CARD → P2P_CARD → CRYPTO_USDT_TRC20. Each step has its own retry and timeout. Chains are per-market and per-currency.
Which countries can withdraw? What's the max per day? What KYC level is required above what threshold? These are declarative rules, not code — changeable from the Cabinet without a deploy.
Set aml_check.required: true on crypto flows. Configure your provider of choice (amlbot, chainalysis) in the Cabinet. Blocked transactions pause pending manual review.
withdrawal.completed webhookTypical flow: request → validation passes → AML check passes → PSP dispatched → on-chain confirmation → webhook to you. End-to-end under 60 seconds for crypto, under 5 minutes for P2P.
P2P rails, crypto payouts, AML, MCC routing — one API, production-ready.