Every market pays its own way. One integration reaches them all.
Your markets need specific local methods and card processing. Local Payment Methods and Card Processing — one integration for both.
- One commercial relationship
- Direct local integrations
- In-house fraud controls
- PCI DSS Level 1
- FINTRAC-registered MSB
The demonstration
The account, working
The hosted checkout presents each market its own methods, and it is configurable per market — watch the demonstration rearrange a wallet, hide and restore it, then open the bank-transfer step.
Behind the screen, every payment lands as a typeset record in your account.
Payment record — illustrative
- Method
- QRIS · IDR
- Amount
- Rp 1.250.000
- Status
- PAID
- Reference
- VNT-2418-0093
An animated demonstration of Vianta's hosted payment page for an Indonesian transaction of Rp 1.250.000. The demonstration rearranges the Apple Pay option, shows that a payment method can be hidden or kept, then opens the bank-transfer step — listing BCA, Mandiri, BRI, BNI, PermataBank, and CIMB Niaga for payment by virtual account — before returning to the payment view showing Apple Pay, Google Pay, QRIS, bank transfer, and card options.
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Payments infrastructure. Connected at every layer
The System
Local Payment Methods and Card Processing sit under one commercial relationship, across every method and market in your account. Nothing to stitch together on your end.
02 · Card Processing
01 · Local Payment Methods — full detail
The market
Every market pays its own way
Payment infrastructure is national. Buyers reach for the wallet on their phone, the QR code at the counter, the bank transfer they trust — and a checkout that presents those instruments converts. Your account presents each market its own methods, in its own currency, over direct local rails.
The methods
The instruments buyers actually hold
QR Payments
One scan at checkout, confirmed in the buyer's own app, completed on the spot.
eWallets
Buyers pay from the balance of the wallet apps they use daily, confirmed in-app.
Bank Wires
Direct transfers over local banking rails, from the buyer's own account, in the market's native currency.
Every method is integrated directly with its operator and tested before it is listed.
02 · Card Processing — full detail
Process Cards Globally
- Acquiring across Visa, Mastercard, Apple Pay, and Google Pay
- Smart routing per transaction across approval rates, latency, and cost — configured to your account by our team
- Network tokenisation: raw PANs replaced with scheme tokens, reducing decline rates on stored credentials and recurring transactions
- 3DS with frictionless flow where supported, full challenge where required — version-aware across PSD2 SCA and equivalent regimes
- Fallback routing on soft declines, within the same session, pre-configured before a decline ever occurs
Enter a market the way it already pays
Chapter 01
Local Payment Methods
Payment infrastructure is national. Your account presents each market its own methods, in its own currency, over direct local rails — under one commercial relationship.
Indonesia
Transaction currency: IDRPay-in
- QRIS
- Virtual Accounts
- BCA
Pay-out
- BI-Fast
- Non BI-Fast
- E-Wallet
Worldwide
Card processing
Card processing is available for merchants operating globally, independent of local payment method availability by market.
Accepted
Every method is integrated directly with its operator and tested before it is listed. Coverage is built and verified market by market before it goes live.
Per-transaction settlement records, exportable, designed to match against your ledger without manual stitching.
Each method keeps its own experience — the QR at the counter, the virtual-account reference, the wallet handoff — and every method transacts in the native currency of its market.
Route record — illustrative
- Method
- QRIS · IDR
- Integration
- Direct with operator
- Listed
- After operator testing
Cards, without the intermediary stack
Chapter 02
Card Processing
Card acceptance runs under the same integration as the methods — processed directly, screened by in-house fraud controls, and routed per transaction along the path most likely to be approved, with one commercial relationship over both.
- 01
Acceptance across schemes and wallets
Acquiring across Visa, Mastercard, Apple Pay, and Google Pay — routing configured to your account by our team.
- 02
3-D Secure, version-aware
Frictionless flows where allowed, full challenge where required — version-aware across PSD2 SCA and equivalent regimes.
- 03
Network tokenisation
Raw PANs replaced with scheme tokens, reducing decline rates on stored credentials and recurring transactions.
- 04
Fallback within the same session
Fallback routing on soft declines, within the same session, pre-configured before a decline ever occurs.
One integration, end to end
Chapter 03
The Engineering
One call reaches the account. Routing rules select the route per transaction; where the decline pattern indicates a second route may succeed, a fallback activates within the same session — pre-configured before a decline ever occurs.
Every routing decision is logged and auditable. You see the outcome per transaction in your dashboard.
REGISTRATION
FINTRAC-registered MSB
Registered as a Money Services Business with FINTRAC in Canada — the regulatory standing behind the account, stated plainly.
CERTIFICATION
PCI DSS Level 1
Card data is handled in a PCI DSS Level 1 environment — the standard's highest level.
CONTROLS
In-house fraud controls
An in-house antifraud module screens every transaction before it moves, layered with 3-D Secure and configurable risk rules.
Chapter 04
What sets the account apart
Why Vianta
Four things make this account different from most providers.
- 01
Unified API
One integration, however it suits your stack — REST API, mobile SDK, CMS plugins, or a hosted payment page. That single connection opens every payment method in your account, across every country we cover. New markets, no new engineering.
- 02
One relationship
Card Processing and Local Payment Methods sit under one commercial relationship, across every market you're live in. No provider patchwork to manage as coverage grows.
- 03
Smart routing
Every transaction is routed along the path most likely to be approved, and that routing is adjusted continuously as rail and acquirer performance shifts. The result is a measurable lift in approval ratios — revenue recovered from payments that would otherwise decline.
- 04
Risk management
Risk is run in-house. Proprietary fraud modules score every transaction, layered with 3DS and a wider set of fraud tools — velocity, device and behavioural checks — tuned per merchant and market. Genuine customers pass through cleanly; fraud is stopped before it reaches settlement.
From first call to live
How engagements run
- 01
Scope
A thirty-minute call on your markets and methods — the actual requirement, in your words.
- 02
Terms
One commercial relationship, drawn to cover Local Payment Methods and Card Processing together.
- 03
Integration
One integration against the unified API — sandbox first, tested before anything is listed.
- 04
Live
Methods and cards running under your account, with per-transaction settlement records from day one.
Start a conversation
A short conversation goes a long way
Most engagements with Vianta start with a thirty-minute call to scope the actual requirement, not a pitch.
If you are evaluating local payment method coverage for a new market, or need card processing alongside it, that is the conversation worth having.
FINTRAC-registered MSB · PCI DSS Level 1 · No obligation