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Payment infrastructure

One integration. Every rail.

Acquiring, alternative payments and smart routing behind one API. Infrastructure built for all types of merchants.

Get started View services
USDUnited States Dollar
EUREuro
GBPGreat Britain Pound
Overview
Payments
Routing
Payouts
Settings
Monthly volumeFull stats
€12.43M
MayNov
Overview
Payments
Routing
Payouts
Settings
Monthly volumeFull stats
€12.43M
MayNov
+11%
Approval uplift
from smart routing
Settled payouts29 days€182,40KNet settled across four acquirers this month
+11%
Approval uplift
from smart routing
Settled payouts29 days€182,40KNet settled across four acquirers this month

Accept the networks your customers already use

For merchants who can’t afford a declined payment.

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Every payment,
on its best path.

Checkout that
converts.

Hosted checkout, card fields and wallets in one drop-in. Turn on the components you need and go live without rebuilding your flow.

Explore checkout
Wearables • Smartwatch Atlas Watch Ultra Always-on retina display. 36-hour battery. $399.00
Complete your order
Pay nowPay later
•••
or pay by card
Pay $399.00

Every provider.
One place.

Connect multiple acquirers and PSPs behind one API. Set rules by region, card type or amount, and let declined payments cascade to the next provider automatically.

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Explore smart routing
Routing
Publish
FieldOperatorValue
Amount
is greater than
€100
And
Geolocation
equals
Sweden
Then take action Choose where to route this payment and what to do if it fails.
1Route to Primary
2If declined, retry with
+ Add an action

Approval rates
you can see.

Volume, approvals, payouts, refunds and fraud across every provider, in one live view. Spot a drop the moment it happens.

Explore reporting
Insights
AugustAll providersEUR
Payments €9.48M 204,551 payments · €46 average
JanAug
Approval rate
83.7%of total payments
171,230 approved
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Reconcile every payout,
to the cent.

Fees, FX, refunds and chargebacks from every provider land in one ledger. Export to your accounting stack or pull it through the API.

Talk to our team
Settlements
This monthAll currencies
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AccountTypeAmountStatus
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Built to get more
payments approved.

Behind every transaction, a stack of optimisations works to turn more attempts into successful payments, automatically.

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Connect your payments

Cards, wallets, fraud tools and payouts, all running through one integration.

850+

acquirers, PSPs and local methods behind one integration

+11%

average approval uplift from smart routing

35+ currencies

accepted and settled from a single integration

$€£¥₹฿₪₱zł€$Kč₺£kr₹
Rp¥$₱lei€Ft£₪R$฿€₺kr¥
Platform

Advanced routing.
Simple to run.

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Soft declines recovered €311,040 2,418 payments +8.9% vs last month
Checkout methods 4 of 5 Live at checkout
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Integrations

Keep the providers you already use.

Bring your existing acquirer contracts and plug in new ones in days. Plugins for the major commerce platforms, or one REST API for everything else.

View all integrations
About NORDBYT

Infrastructure, not intermediaries.

We build the payments layer high-risk merchants have always needed: one integration, many acquirers, one ledger.

Get started Talk to our team
Settled today€1.28M96.4% approved · 12,480 payments
Payout to bankToday, 11:28+€84,200
Our story

Built after watching good merchants get switched off.

Merchants in crypto, iGaming, forex and subscriptions lose accounts overnight. One acquirer exits a sector, and revenue stops while the business behind it is perfectly sound.

The fix was never another introduction to another bank. It was infrastructure: many acquirers behind one integration, so no single provider can take a merchant offline.

That is what NORDBYT is.

Woman on a bicycle under a clear blue sky
Mission and vision

Why we exist. Where we are going.

Mission

Keep every legitimate merchant open for business.

Redundant acquiring, smart routing and one ledger, so a decline or a provider exit never becomes lost revenue.

Vision

Every rail, in every market, behind one plug.

Local acquiring and settlement in each region we enter, with the same API and the same ledger everywhere.

Core values

What guides every decision.

Redundancy by defaultNo single acquirer, region or rail is ever a single point of failure.
One source of truthEvery charge, refund and payout lands in one ledger, reconciled daily.
Named people, not queuesA dedicated account and integration team that knows your business.
Plain answersClear pricing, clear underwriting criteria and clear timelines.
Our team

Built by people who have run payments.

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Customers & partners.

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Contact

Tell us about your business.

For merchant onboarding and payment partnerships, send a message or email us directly. We respond within one business day.

business@nordbyt.com

Enquiry received.

Thank you. Our team will review your enquiry and reply within one business day.

Send another
I confirm I have read and understood the Terms & Conditions, Privacy Policy and AML Policy. {{ cfErr.consent }}
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We couldn't send that just now. Please email business@nordbyt.com directly and we'll pick it up straight away.

{{ cfLabel }} Your details go straight to our team. We never share them with third parties.
Legal

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Payment solutions

Every layer of payments. One platform.

Acquiring, alternative methods, routing, settlement and risk behind one API. Built for merchants of every size, including the ones others turn away.

Get started Talk to our team
Order total€84.00Account
Payment approvedMastercard •••• 4821

Acquiring across
multiple banks.

Underwriting across multiple acquirers, connected through one integration. Card volume goes where it is most likely to be approved.

Multi-acquirer
Visa and Mastercard
Local card schemes
Underwriting support
Start acquiring
Questions? Chat here
Choose your plan
Monthly subscription
Annual subscriptionSave 22%
Pay with
Card
Bank account
Card number
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Expiry date
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CVC
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Total due today (USD){{ ckTotal }}
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Local methods.
Global reach.

Wallets, bank transfers and buy now, pay later in one checkout. Switch methods on per market without touching your code.

Digital wallets
Open banking
Pay later
One integration
Add payment methods
Cart›Billing details›Confirmation
Billing details
Ship toMicaela PatelThe Warehouse, 7th Floor
211 Old Street
London EC1V 9NR
Betala Wooden Chair£120.00 × 2
Subtotal£240.00
VAT (20%)£48.00
ShippingFREE
Total£288.00
Pay with
Card
Klarna
Revolut Pay
Pay by card.Visa, Mastercard and local card schemes.4 interest-free payments of £72.00 with Klarna.After submission, you will be redirected to securely complete next steps.Pay in one tap with Revolut Pay.Approve the payment in your Revolut app.
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Digital wallets.

One-tap checkout, tokenised end to end. Fewer fields, fewer drop-offs, and card data you never have to hold.

Apple Pay and Google Pay
Regional wallets
Lower-friction checkout
Network tokenisation
Add digital wallets

Payment
orchestration.

The layer that ties it together: one API in front of every provider, routing each payment to the path most likely to approve.

Smart routing per transaction
Instant failover and retry
Unified reporting
Scales without re-integrating
Explore orchestration
Add newRouting
CardsMastercard / Visa
IFRegion = EuropeTHENSTRIPE (1),NUVEI (2),CHECKOUT (3)
IFRegion = OtherTHENRAPYD (1),PAYPAL (2)
IFAmount > €500THENADYEN (1),STRIPE (2)
Retry soft declinesCascade to the next provider
Failover on timeoutSwitch after 3 seconds
Recovered amount{{ rt.amt }}+ 12.02%Last month
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Stop fraud,
not customers.

Risk scoring, 3D Secure and chargeback tools work on every payment. Good customers pass, suspicious ones are stopped before they cost you.

Risk scoring
3D Secure 2
Chargeback alerts
Custom rules
Explore risk tools
Risk checkLive
•••• 4242Berlin, Germany · iPhone€249.00
Risk score
{{ rs.score }}/ 100 · Low risk
3D SecurePassed
VelocityClear
DeviceTrusted
IP and locationMatched
Card BINVerified
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Pricing

Pricing that scales
with your volume.

A platform fee plus transparent per-transaction rates. No setup fees, no lock-in.

Launch

For merchants going live with a single acquirer.

€0/ month
From 0.9% + €0.15 per transaction
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Start for free

Scale

Most chosen

Multi-acquirer routing for growing high-risk volume.

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Get started

Enterprise

Custom routing, rates and settlement at volume.

Custom
Volume-based interchange++ pricing
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Talk to our team

Final rates depend on underwriting, industry and volume.

Technology

The engine behind every approval.

One API in front of 700+ payment channels. Payments, optimisation and protection run on the same infrastructure, so every transaction is accepted, routed and secured in one pass.

700+Integrated payment channels
USDUnited States Dollar
EUREuro
GBPGreat Britain Pound
200Supported currencies
24/7Dedicated support
Level 1Highest card security standard

Three layers. One integration.

Each layer works on its own. Together they turn a single request into the highest-performing path for every payment.

Payments

Accept how the world pays.

Cards, wallets, bank transfers and local methods behind one checkout, settled in the currency you choose.

700+ channels
Hosted payment fields
Payment links
Dynamic withdrawals
Optimisation

Route every payment to approve.

A soft decline isn't the end. AI routing retries on the provider most likely to approve.

Protection

Stop fraud, keep good customers.

Machine-learning risk scoring and dynamic 3D Secure challenge only the payments that need it.

Risk scoring
Dynamic 3DS2
KYC verification
Custom fraud rules
Lifecycle

From tap to settlement in one pass.

CheckoutHosted fields capture card data. It never touches your servers.
TokeniseCard details become network tokens that work across every provider.
ScoreThe risk engine scores the payment and decides if 3DS is needed.
RouteRules and AI pick the best provider. Soft declines cascade to the next.
SettleFunds settle into one ledger, reconciled across every provider.
Routing engine

Route on any signal.

Combine and prioritise rules in the dashboard, with no code changes. Start with global and local logic, then go deeper with velocity, new customers and VIPs.

Issuer countryCard BINCard schemeCredit, debit or prepaidAmountCurrencyMCCCustomer segmentNew or returningVIP tierVelocityRisk scoreProvider approval rateProcessing feeTime of dayDevice
See routing in action
Routing live0.4s
€249.00Visa •• 4242 · Approved via Stripe
94%
88%
81%
Change rules live. No code changes.
POST/v1/payments
// One request. Every provider behind it.
01{
02 "amount": 24900,
03 "currency": "EUR",
04 "payment_method": "tok_visa_4242",
05 "routing": "smart",
06 "retry": { "cascade": true },
07 "three_ds": "dynamic"
08}
201 · ApprovedRouted to Stripe in 412 ms
Developers

Integrate once. Add providers without code.

A single REST API with hosted fields, or a ready-made plugin for your platform. New methods switch on from the dashboard.

ShopifyWooCommercePrestaShopSalesforceHubSpot

Security built into every request.

PCI DSS Level 1Card data is held in a certified environment. Hosted fields keep your PCI scope minimal.
Dynamic 3D SecureStrong customer authentication only when risk calls for it, with liability shift on authenticated payments.
Machine-learning fraudPatterns are scored in real time, so suspicious payments are stopped without delaying legitimate ones.
KYC verificationIdentity and business checks built into onboarding and payouts.
Real-time monitoringApproval rates, declines and provider health in one dashboard, with alerts when performance drops.
Scales with peaksCloud infrastructure that absorbs traffic surges during launches and major events.

Why merchants stay.

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Questions, answered.

Anything else? business@nordbyt.com

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Start accepting payments.

Tell us about your business. Every enquiry is read by our team, and we reply within one business day.

Get started business@nordbyt.com

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