AvioraPay

Our services

Everything you need to collect, pay out and settle

Four products on one platform, one contract and one integration — switch on what you need now and add the rest without re-integrating.

Collections

Take payment however your customer prefers, on any device, in any market you sell to.

  • Hosted checkout, drop-in elements or a direct API integration
  • Cards, wallets, UPI, open banking and local bank transfers
  • Smart routing with automatic retry across acquirers
  • 3-D Secure 2 with adaptive, rule-based risk scoring

# collections example

POST /v1/collections

Authorization: Bearer sk_live_…

{ "amount": 12500, "currency": "GBP" }

200 OK status: succeeded

Illustrative request shape. Full reference and sandbox keys are provided during onboarding.

Instant payouts

Send money out as easily as you take it in — one beneficiary or ten thousand.

  • Single, scheduled or bulk payouts via API or CSV upload
  • Beneficiary account validation before funds are released
  • Maker–checker approval flows and role-based permissions
  • Signed webhooks the moment a transfer completes or fails

# instant payouts example

POST /v1/payouts

Authorization: Bearer sk_live_…

{ "amount": 12500, "currency": "GBP" }

200 OK status: succeeded

Illustrative request shape. Full reference and sandbox keys are provided during onboarding.

Multi-currency settlement

Hold balances in the currencies you earn in and settle back on a cycle you can plan around.

  • Next working day settlement as standard for approved merchants
  • Transparent FX with the rate visible before conversion
  • Consolidated settlement files that reconcile line by line
  • Balance transfers between your currency wallets on demand

# multi-currency settlement example

POST /v1/settlement

Authorization: Bearer sk_live_…

{ "amount": 12500, "currency": "GBP" }

200 OK status: succeeded

Illustrative request shape. Full reference and sandbox keys are provided during onboarding.

Merchant dashboard

The operational view your support, finance and engineering teams share.

  • Live transaction search with full attempt history
  • One-click refunds, partial refunds and dispute evidence upload
  • Downloadable settlement and tax-ready statements
  • Team accounts with granular, auditable permissions

# merchant dashboard example

POST /v1/reports

Authorization: Bearer sk_live_…

{ "amount": 12500, "currency": "GBP" }

200 OK status: succeeded

Illustrative request shape. Full reference and sandbox keys are provided during onboarding.

Platform

What sits underneath every product

Developer experience

Versioned REST endpoints, idempotency keys, predictable error codes, sandbox keys with test cards and webhook replay from the dashboard.

Risk & fraud controls

Velocity, value, geography and device rules you configure yourself, with held transactions surfaced for manual review.

Reconciliation

Every capture, refund, chargeback, fee and payout carries a reference through to the settlement file, so nothing is matched by hand.

Scale and uptime

Redundant processing paths, regional failover and monitoring that alerts our team before it affects your checkout.

Who we work with

Sectors we support

If you take payment online and pay money out again, the platform fits.

Online retail & D2CMarketplaces & platformsSubscriptions & SaaSTravel & ticketingDigital servicesProfessional services

FAQ

Service questions

Yes. The products are sold together but used independently — some merchants only collect, others only pay out. Pricing reflects what you actually switch on.

Yes. Cards can be tokenised at first payment and charged on a schedule you control, with retry logic for expired or declined instruments.

Refunds are issued from the dashboard or the API and netted against your next settlement. Disputes appear with their evidence deadline so nothing lapses unanswered.

We work with businesses at a range of sizes. Pricing depends on your model, method mix and risk profile, so the fastest route to a number is a short conversation.