Smart routing
Traffic is distributed across providers by approval rate, cost and availability. Rules change without a release.
Payment Orchestration Layer
Global payment orchestration for high-growth businesses.
One API for smart transaction routing, higher approval rates, and global card processing alongside local alternative payment methods. Built to integrate in days, not quarters.
Incorporated in England & Wales
PCI DSS Compliant
3-D Secure 2
99.99% Uptime SLA
UK-Registered Entity
33
countries live
200
currencies and payment methods
99.99
percent processing uptime
3
days to first live transaction
Platform
Everything a payments team builds for years, as one layer.
Routing, retries, a single checkout and one settlement model — over your existing stack.
Cascade and retries
A declined attempt is retried on the next route based on predefined logic. The payer sees a single attempt.
Unified checkout
Cards and local methods in one interface. The method set adapts to the payer country.
Global coverage
Local payment methods where cards underperform. Multi-currency at the protocol level.
Anti-fraud and 3-D Secure
Checks on the layer and on the partner side. Rules tuned to your business profile.
One reconciliation model
Every provider in a single data model. One ledger instead of reconciling five exports.
Integration
Built for engineers, not slide decks.
Provider, country and method are request parameters. The route is chosen by the layer.
Get your merchant credentials
Register, add your site and send it for moderation. Once approved, your merchant ID and secret password are in the dashboard.
Sign and send
Build the hash from your merchant ID, amount, secret, method and order ID, then call the endpoint. The amount is a decimal string with a dot.
Receive the webhook
Payou posts the result to your URL with a signature. Verify it, answer MERCHANT_ORDER_ID|success and credit the order once.
API
One signed request. Requisites back as JSON.
Country and method are parameters of the same call, not separate integrations. The route behind them is chosen by the layer.
GET/api/new/api.php
Request
# Request payment requisites - the signature is built from your merchant password # hash = md5(id : summ : password : sistems : order_id) curl -G https://payou.pro/api/new/api.php \ --data-urlencode id=5 \ --data-urlencode sistems=card_RUB \ --data-urlencode summ=100.00 \ --data-urlencode order_id=4444 \ --data-urlencode user_code=1 \ --data-urlencode hash="$HASH"
Response
# HTTP 200 · application/json { "id": "3874512", "card": "0000 0000 0000 0000", "wallet_owner": "CARDHOLDER NAME", "sbp_bank": "BANK NAME", "amount": "100.00" }
Illustrative response. Nothing is sent and no funds move.
Coverage
Local rails where they matter.
Card processing worldwide, plus the local methods a payer actually expects in each market.
- Europe
- United States
- Latin America
- Africa
- CIS
Markets with local payment methods available
Company
A registered UK entity behind the API.
One contract, one compliance perimeter. Payou operates strictly as a payment technology and routing infrastructure provider.
- Legal entity
- PAYOU LTD
- Jurisdiction
- England & Wales
- Company number
- 17335660
- Registered office
- 128 City Road, London, EC1V 2NX
Get started
Start with the docs. Ship in days.
Read the reference and send your first signed request today. Talk to us when you are ready for production volume.