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A to Z Payments Platform

Designed for
business growth

Every layer of the payment stack — from MID setup and intelligent retry logic to ML fraud protection and local acquiring — engineered to maximise approval rates and revenue for your business.

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Approval Rate +4.2%
vs. industry average 91% acceptance
ML Retry Recovery +38%
40+
Countries
<200ms
Processing
99.97%
Uptime SLA
VISA• MASTERCARD• AMEX• UNIONPAY• DISCOVER• JCB• DINERS• APPLE PAY• GOOGLE PAY• ACH CREDIT• ACH DEBIT• SEPA• iDEAL• BANCONTACT• SOFORT• GIROPAY• FPX• EPS• MULTIBANCO•
VISA• MASTERCARD• AMEX• UNIONPAY• DISCOVER• JCB• DINERS• APPLE PAY• GOOGLE PAY• ACH CREDIT• ACH DEBIT• SEPA• iDEAL• BANCONTACT• SOFORT• GIROPAY• FPX• EPS• MULTIBANCO•
Platform Capabilities

Built for the full payment lifecycle

From day-one business setup to enterprise-grade infrastructure — every layer optimised to maximise conversion.

Optimized Business Setup

Start processing fast with the right infrastructure from day one — configured for your specific business type and markets.

MID assignment
MCC assignment
Local acquiring

Automated Card Management

Keep card data fresh automatically — reduce involuntary churn and keep recurring payments running without friction.

Tokenization service
Batch card account updater
Synchronous card account updater

Machine-Learning Powered Retries

Recover failed transactions intelligently — adaptive ISO message adjustment and smart timing for maximum recovery.

ISO message adjustment
Data healing
Smart dunning for subscriptions
Industry-leading ML

Authentication & Fraud Protection

Real-time fraud scoring blocks threats before they become chargebacks — with no impact on legitimate customer conversion.

3D Secure 2.0 Device fingerprint Velocity rules Chargeback shield

Smart Network Messaging

Precision routing and message optimisation at BIN level to maximise issuer acceptance rates automatically.

BIN level formatting
Stored credentials optimisation
Issuer data sharing
Incrementals, overcaptures & partials

Real-time Analytics & Reporting

Unified reporting across all payment channels with live dashboards, deposit tagging, and automated reconciliation.

24/7
Live monitoring
Auto
Reconciliation
Payment Methods

Every method your customers trust

One integration to accept cards, wallets, bank transfers, and 10+ local payment methods across 40+ countries.

Credit & Debit Cards
7 networks
Global
Visa
Mastercard
American Express
Discover
JCB
Diners Club
UnionPay
Digital Wallets
Native checkout experience
1-tap
Google Pay
Apple Pay
PayPal
Visa Checkout
Masterpass
Bank & ACH Transfers
Direct bank connections
Instant
ACH ACH Transfer
SEPA
Net Banking
Local Payment Methods
Region-specific favourites
7+ methods
iDEAL 🇳🇱
Bancontact 🇧🇪
SOFORT / Klarna 🇩🇪
giropay 🇩🇪
EPS 🇦🇹
Multibanco 🇵🇹
FPX 🇲🇾
Cryptocurrency
Non-custodial · on-chain settlement
Bitcoin Bitcoin BTC
Ethereum Ethereum ETH
Tether Tether USDT
USD Coin USD Coin USDC
Tron Tron TRX

Settlements available in stablecoins (USDT / USDC) or converted to fiat. Blockchain fees apply. Subject to jurisdictional restrictions.

Global Reach

Process payments in 40+ countries

Local acquiring capabilities in key markets — your customers pay in their preferred currency, you settle globally.

40+
Countries
5
Continents
19+
Payment methods
99.97%
Uptime SLA

Ready to take control?

Own the payment journey with your own platform. Contact us to get started with Caibo today.

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