Platform Overview

The complete
payments platform

140+ processors. Smart routing. Instant settlement. Customer-present. Agent-ready. One integration to power every payment your business will ever need.

Start ProcessingSchedule a Demo
Capabilities

Everything you need. Nothing you don't.

Smart Routing

ML-powered engine evaluates processor health, fees, and approval rates in real time to route every transaction through the optimal path.

5-15% cost savings

140+ Connectors

Connect to processors, acquirers, and payment methods worldwide through a single integration. Add new connectors in minutes, not months.

Single API

Instant Settlement

Route settlement through FedNow, RTP, push-to-card, and Same Day ACH. Get paid in seconds instead of waiting T+2 business days.

Seconds, not days

Customer-Present Processing

Unified API for in-store and online payments. Support EMV chip, contactless, tap-to-phone, and mobile wallets at the point of sale.

PCI-DSS v4

Multi-Currency (160+)

Accept and settle in 160+ currencies. Automatic FX optimization routes through the lowest-cost conversion path for each transaction.

160+ currencies

Fraud Prevention

Pre-integrated with Riskified, Signifyd, and Kount. Layer multiple fraud engines with custom rules and velocity checks on every transaction.

Enterprise-grade

Dashboards

Live payment intelligence your team controls. Resize KPIs, add new tiles, save custom views under My Dashboards, and ask Perfect Assistant to build the next one.

CustomizableLearn more

Agent Commerce

AI agents are the new checkout. List your products, set agent policy, and watch buyer agents and seller agents negotiate and settle through Perfect Pay.

Discoverable. Authorized. Settled.Learn more

Checkout

Drop-in checkout that blends into your brand. 40+ styling APIs, theme presets like Aurora and Perfect denim, control over which payment methods appear, and a native experience across web, iOS, and Android.

Inclusive. Consistent. Blended.Learn more

Perfect Assistant

AI inside every payment dashboard. Read performance in plain English, ask questions in context, or describe a dashboard and have it built for you.

Read it. Ask it. Build it.Learn more
Smart Routing

How Smart Routing works

Every transaction flows through our ML-powered decision engine. It evaluates processor health, historical approval rates, fees, and latency to find the optimal path in real time.

Transaction

$149.00 / Visa

Risk Check

Riskified: Low risk

Route Decision

Cost, approval rate, latency

Optimal Processor

Stripe: 98.4% approval, $0.22

Result

98.4% approval · $0.22 cost · 120ms latency

vs. $0.31 average across other processors

Integration

One API. Every payment method.

Integrate once and accept payments across cards, bank transfers, real-time rails, wallets, BNPL, and crypto. Add new methods without touching your code.

Cards

Visa, Mastercard, Amex, Discover

ACH

Direct debit & credit

SEPA

European bank transfers

FedNow

Instant US settlement

RTP

Real-time payments

Apple Pay

Mobile & web

Google Pay

Mobile & web

BNPL

Affirm, Klarna, Afterpay

UPI

India instant payments

Crypto

BTC, ETH, stablecoins

create-payment.ts
const payment = await perfectpay.payments.create({
  amount: 14900,
  currency: "usd",
  payment_method: "card",
  routing: "smart",        // ML-optimized routing
  settlement: "instant",   // FedNow / RTP
});

Stop overpaying.
Start settling instantly.

Join the merchants, platforms, and developers switching to smarter payments infrastructure.

Get StartedSchedule a Demo