Products
CardElse Payment Hub
The processing and settlement core that exposes one Unified Payment API and routes transactions across your providers.
Capabilities
Unified Payment API
Provider Management
Transaction Routing
Smart Failover
Webhooks
Multi-Currency Support
Settlement Tracking
Reconciliation
Fee Configuration
Reporting
payment-hub / routing
Provider A · OnlineProvider B · OnlineProvider C · Degraded
| Transaction | Method | Provider | Amount | Status |
|---|---|---|---|---|
| tx_9F21 | Card | Provider A | €42.00 | Authorized |
| tx_9F22 | SEPA | Provider B | €1,250.00 | Routing |
| tx_9F23 | Wallet | Provider A | €18.50 | Settled |
| tx_9F24 | Open Banking | Provider C | €320.00 | Retry |
Interface shown is illustrative.
Architecture
Unified Payment APIRouting and Rules EngineProvider Connector LayerSettlement & ReconciliationWebhooks & Reporting
Example workflows
- Authorize → capture → settle
- Refund / reversal / void
- Provider failover and retry
- Reconciliation and reporting
Where it is used
EMI and PI payment infrastructureMulti-provider transaction routingMerchant payment processingCross-border payment platformsMarketplace payment routingProvider migration and redundancy
Interfaces
- Unified Payment REST API
- Signed webhooks
- Operator reporting views
Operational roles
- Developer (integration)
- Payments operations
- Finance (settlement & reconciliation)
Integration options
BanksPSPsCard processorsLocal payment methods
Security controls
- Scoped API keys
- Idempotency
- Signed webhooks
- Audit logs
Implementation model
Adopt as a standalone module or as the core of a full platform build.
Related solutions
Related services
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