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Vivid Logic
Fintech · White-label Payment Platform

Accept payments online, a US-standard, PCI-DSS compliant payment gateway.

A complete, white-label payment gateway built to US SaaS standards. Hosted checkout pages, payment APIs, fraud protection, and PCI-DSS Level 1 security, for marketplaces, SaaS, and modern businesses.

Live in productionPCI-DSS Level 1White-labelHosted pages + APIsMulti-currency
PCI-DSS L1
Compliance
Hosted + API
Integration
100+
Currencies
99.99%
Uptime SLA
Overview

What Payment Gateway actually does

A complete payment gateway built to the standards of leading US SaaS payment platforms. Businesses can drop in our hosted checkout, embed our payment fields, or integrate our APIs directly. Every transaction passes through PCI-DSS Level 1 controls, with tokenization, encryption at rest and in transit, 3D Secure 2, real-time fraud scoring, and audit-grade logging. Fully white-label, your brand, your domain, your invoices, with multi-currency support and clean settlement and payout flows.

Pills

At a glance

  • PCI-DSS Level 1
  • White-label
  • Hosted pages + APIs
  • Multi-currency
  • 3D Secure 2
  • Fraud detection
Modules

Everything Payment Gateway ships with

All 18 modules are live in production, fully integrated, fully branded, fully yours.

Hosted Payment Pages

Drop-in branded checkout pages your customers can use in minutes, no PCI scope on your side.

  • Fully branded with your logo, colours, and domain
  • Mobile-first responsive design with Apple Pay and Google Pay
  • Multi-step or one-page checkout, your choice
  • Customer card storage and one-click repeat checkout

Payment APIs and SDKs

Direct REST APIs and SDKs for teams that want full control over the checkout experience.

  • REST APIs with predictable JSON responses
  • JavaScript, iOS, Android, and React Native SDKs
  • Server-side libraries for Node, Python, .NET, Go, and PHP
  • Postman collection, OpenAPI spec, and an interactive sandbox

Card Acceptance and Tokenization

Accept every major card with PCI-DSS tokenization built in, no raw card data on your servers.

  • Visa, Mastercard, American Express, Discover, Diners, JCB, and UnionPay
  • Vault tokenization for repeat charges and subscriptions
  • AVS, CVV, and BIN-level routing for higher approval rates
  • Network tokens for higher conversion and lower fraud

Alternative Payment Methods

Beyond cards, wallets, bank debits, and BNPL on one platform.

  • Apple Pay, Google Pay, Samsung Pay, and Link
  • ACH, SEPA, Faster Payments, and bank transfers
  • Buy Now Pay Later (Klarna, Afterpay, Affirm)
  • Direct debit and country-specific local methods

Multi-Currency Payments

Accept payments in 100+ currencies with dynamic conversion and FX snapshots on every transaction.

  • Charge customers in their local currency
  • Real-time FX with locked-in conversion rates
  • Multi-currency settlement to your accounts
  • Country-aware checkout that adapts on the fly

3D Secure 2 and SCA

Strong Customer Authentication done right, frictionless flow for low-risk transactions, OTP only when needed.

  • EMV 3DS 2.x with biometric and OTP fallback
  • Frictionless flow on trusted devices
  • SCA-compliant for PSD2 and UK regulations
  • Risk-based exemption support

Fraud Detection

Real-time risk scoring on every transaction with rules you can tune to your business.

  • Velocity checks, IP and device fingerprinting
  • Geo, BIN, and email risk signals
  • Customizable rules engine with allow and block lists
  • Machine-learning risk score on every authorization

Subscriptions and Recurring Billing

Plans, trials, proration, and dunning, everything a SaaS or subscription business needs.

  • Flexible plans with trials, add-ons, and discounts
  • Automatic proration on upgrades and downgrades
  • Smart retries and dunning emails on failed charges
  • Customer self-service portal for subscription changes

Refunds and Disputes

Full and partial refunds, plus a dispute workflow that handles chargebacks end to end.

  • Full and partial refunds via API or dashboard
  • Chargeback alerts and evidence submission
  • Dispute history with timeline and outcome tracking
  • Automated refund accounting and reconciliation

Settlement and Payouts

Predictable payouts to your bank with clear reserve, hold, and rolling reserve controls.

  • Daily, weekly, or monthly payouts
  • Multi-currency settlement to multiple bank accounts
  • Configurable reserves and rolling reserves
  • Payout reports with transaction-level detail

Reporting and Reconciliation

Every transaction, fee, refund, and dispute, exportable and reconcilable down to the cent.

  • Real-time transaction and settlement reports
  • Fee breakdown per transaction and per processor
  • Custom date ranges, currencies, and processors
  • CSV, Excel, and accounting-system exports

PCI-DSS Level 1 Compliance

Built from day one to PCI-DSS Level 1 standards, the highest level a payment platform can hold.

  • Tokenization so raw card data never touches your servers
  • AES-256 encryption at rest, TLS 1.3 in transit
  • Strict role-based access with hardware-key MFA
  • Continuous audit logging and quarterly ASV scans

Merchant Dashboard

A clean back office for finance, ops, and developers, every metric and every transaction in one place.

  • Live transaction feed with full detail
  • Customers, subscriptions, refunds, and disputes
  • API keys, webhooks, and developer tools
  • Team accounts with role-based permissions

KYC and KYB Onboarding

Identity and business verification baked in, onboard merchants without leaving the platform.

  • ID document verification (passport, license, national ID)
  • Business verification with company registry checks
  • Sanctions, PEP, and adverse media screening
  • Risk-based onboarding with tiered approval

Webhooks and Events

Signed, retried webhooks let you react in real time to every payment event.

  • HMAC-signed payloads with replay protection
  • Automatic retry with exponential backoff
  • Full event log with delivery status
  • Per-endpoint event filtering

Sandbox and Testing

A complete sandbox with test cards and simulated scenarios, try before you go live.

  • Test cards for success, decline, and fraud scenarios
  • Simulate 3DS challenges, chargebacks, and refunds
  • Per-team sandbox accounts and reset
  • No real money, no PCI scope, full feature parity

White-Label Branding

Run the platform as your own, your domain, your brand, your customer experience.

  • Custom domain for hosted checkout and merchant dashboard
  • Branded emails, invoices, and receipts
  • Custom logo, palette, and theme across the platform
  • Per-tenant branding for marketplaces and platforms

Developer Documentation

Documentation a developer actually wants to read, searchable, interactive, and complete.

  • Step-by-step integration guides per stack
  • Live code examples in 7+ languages
  • Interactive API reference with try-it-out
  • Changelog, status page, and developer Slack
FAQ

Questions about Payment Gateway

Yes. We are built to PCI-DSS Level 1, the highest standard a payment platform can hold, with tokenization, encryption at rest and in transit, role-based access, hardware-key MFA, continuous audit logging, and quarterly ASV scans.
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