Platform
One platform.
The whole money lifecycle.
Accept, optimise, operate, close. Four stages most providers scatter across products — Veloqen runs them on one data model, one double-entry ledger and one API.
The Veloqen core — everything between your product and the rails.
01 — Accept
A checkout that converts, with PCI scope you can live with.
Hosted components render inside your UI, so card data never touches your servers — and your PCI questionnaire stays short. One integration covers cards, wallets and local methods.
- Hosted fields & components — your design, our PCI burden. SAQ-A eligible integration patterns.
- Token vault with network tokens — HSM-backed storage, automatic card updates, tokens portable across acquirers.
- 3DS2 & SCA orchestration — exemption logic, issuer data enrichment and graceful fallback, tuned per jurisdiction.
- Wallets & local methods — Apple Pay, Google Pay and the local rails your customers actually use.
🔒 Secured by Veloqen · hosted components
02 — Optimise
Every authorisation, fought for.
Declines are lost revenue. Veloqen routes each transaction across acquirers by card type, geography and issuer behaviour — and when a route fails, it retries intelligently instead of giving up.
- Multi-acquirer routing — no single point of failure, no single acquirer's bad day becoming yours.
- Intelligent retries — decline-code-aware, idempotent, within scheme rules.
- Risk engine that knows your vertical — a €3,000 charter booked 60 days out isn't fraud. Generic engines think it is; ours knows better.
Routing decision · illustrative
03 — Operate
Money movement with a memory.
Underneath every balance, split, reserve and payout is a double-entry immutable ledger. Every cent has a lineage — from authorisation to the bank statement.
- Balance accounts — per supplier, per entity, per currency. Platform funds and partner funds never blur.
- Splits & rolling reserves — configurable per partner, released on schedule, visible to finance in real time.
- Global payouts — bank transfers and local rails, batched or instant, with FX locked at quote time.
- Refunds & chargebacks as ledger events — not exceptions bolted on, but first-class movements with full audit trails.
// every movement, balanced by construction DEBIT acquirer_receivable €2,400.00 CREDIT acct_supplier_81 €1,980.00 CREDIT platform_revenue €360.00 CREDIT reserve_rolling_81 €60.00 // Σ debits − Σ credits = 0.00 ✓ immutable · journaled
04 — Close
Month-end that closes itself.
Settlement reports that map to your ledger line by line. Fees, refunds, chargebacks, FX and reserves — explained, categorised and reconciled automatically. Your finance team stops being a search party.
- Automatic reconciliation — payouts matched to transactions, fees to fee schedules, exceptions surfaced instantly.
- Finance-ready exports — settlement detail, balance reports and journals your ERP ingests without a fight.
- Webhooks & unified reporting — signed events for everything, one reporting surface across methods and regions.
Settlement batch · illustrative
See the platform on your own flows.
Bring one real payment scenario — we'll show you how it runs on Veloqen, end to end, ledger included.