Enterprise Payment Gateway
One payment gateway. Every channel, provider and customer experience.
NoDust.ai provides an enterprise payment platform for accepting, routing, monitoring, reconciling and settling payments across cards, wallets, banks, QR codes, payment links, applications and physical networks.
Control the full payment journey from one infrastructure layer.
Positioning
Built for high-volume operators
A configurable payment orchestration and acceptance platform for high-volume enterprises.
Who it is built for
- Banks
- Payment service providers
- Fintech companies
- Large merchants
- Marketplaces
- Governments
- Utilities
- Telecom providers
- Event companies
- Logistics companies
- Digital platforms
Available as
- Multi-country deployment
- Multi-currency processing
- White-label deployment
- Dedicated infrastructure
- Private-cloud deployment
- On-premise deployment where required
Supported surfaces
- Web
- iOS
- Android
- Mobile SDKs
- POS and terminals
- Agent and branch channels
- Server-to-server APIs
Applications
Every participant gets a purpose-built interface
Applications and dashboards are branded, permissioned and configured per deployment.
Acceptance surfaces
- Hosted checkout
- Embedded checkout
- API checkout
- Mobile SDK checkout
- Payment links
- QR payments
- In-app payments
- Invoice payments
Commercial models
- Recurring payments
- Marketplace payments
- Agent-assisted payments
- Cash-payment workflows
Connected systems
- Merchant dashboards
- Bank integrations
- Wallet integrations
- Card-processing integrations
- Alternative payment methods
Payment methods
Configurable integrations across every acceptance rail
NoDust.ai supplies the technology platform. Acquiring, processing and settlement of funds are performed by the regulated banks, acquirers, processors and payment institutions connected to it.
Cards
- Credit cards
- Debit cards
- Prepaid cards
- Local cards
- International cards
Bank and account rails
- Bank accounts
- Bank transfers
- Open banking
- Account-to-account payments
- Direct debit
- Recurring mandates
Wallets and codes
- Digital wallets
- Mobile wallets
- QR payments
- Payment links
- Telecom billing
Cash and stored value
- Cash through agents
- Cash through branches
- Vouchers
- Gift cards
- Buy-now-pay-later providers where legally supported
- External payment-service providers
Checkout experiences
Checkout customized to merchant, market and moment
The checkout interface is customizable by merchant, country, currency, payment method, customer type, device, product, transaction value, risk level, campaign and language.
Surfaces
- Hosted payment page
- Embedded checkout
- Redirect checkout
- Pop-up checkout
- Mobile checkout
- In-app checkout
- QR checkout
- Payment link
- Invoice checkout
- Subscription checkout
Customer experience
- One-click payment where permitted
- Saved-payment-method support
- Guest checkout
- Registered-user checkout
- Multi-language checkout
- Multi-currency checkout
- Country-specific checkout
Branding and flow
- Merchant-branded checkout
- White-label checkout
- Custom checkout fields
- Custom payment steps
- Custom success and failure pages
Processing
Complete control of the authorization and capture lifecycle
Authorization and capture
- Payment authorization
- Payment capture
- Immediate capture
- Delayed capture
- Partial capture
- Multiple capture
- Payment cancellation
- Void
Returns
- Full refund
- Partial refund
- Multiple partial refunds
- Reversal
- Payment retry
Routing
- Smart routing
- Failover routing
- Multi-acquirer routing
- Processor routing
- Bank routing
- Payment-method routing
- Currency routing
- Country routing
- Cost-based routing
- Performance-based routing
- Rule-based routing
Transaction integrity
- Transaction status
- Pending-payment handling
- Asynchronous payment handling
- Duplicate-payment prevention
- Idempotency
- Transaction references
- Order references
- Invoice references
- Metadata
- Webhooks
- Webhook retries
- Payment notifications
- Receipt generation
Payment orchestration
Connect multiple payment providers through one enterprise layer.
Provider estate
- Multiple acquiring banks
- Multiple processors
- Multiple payment gateways
- Multiple wallets
- Multiple alternative payment methods
- Central credential management
- Integration activation controls
Routing intelligence
- Routing rules
- Priority routing
- Cost optimization
- Availability-based routing
- Geographic routing
- Currency routing
- Merchant-specific routing
- Automatic failover
Observation and normalization
- Provider health monitoring
- Provider performance comparison
- Provider-response normalization
- Unified transaction statuses
- Unified reporting
- Unified API
- Provider-level limits
- Country-level controls
Merchant onboarding and management
Onboard, price, configure and control every merchant
Onboarding
- Merchant applications
- Merchant verification
- Business-document collection
- Beneficial-owner records
- Risk classification
- Merchant categories
- Contract-document storage
- Notes and internal review
Pricing
- Merchant pricing
- Merchant fees
- Transaction fees
- Fixed fees
- Percentage fees
- Minimum fees
- Maximum fees
- Tiered pricing
Configuration
- Settlement settings
- Reserve settings
- Payment-method activation
- Country activation
- Currency activation
- Merchant limits
- Refund permissions
- Checkout customization
- Test mode
- Live mode
Structure and lifecycle
- User management
- Multiple stores
- Multiple branches
- Multiple websites
- Multiple applications
- API credentials
- Webhook settings
- Merchant suspension
- Merchant closure
Merchant dashboard
A working dashboard for finance, operations and developers
Money views
- Overview
- Transactions
- Payments
- Refunds
- Failed transactions
- Pending transactions
- Settlements
- Payouts
- Reconciliation
- Disputes
- Chargebacks
Commercial tools
- Payment links
- QR payments
- Customers
- Subscriptions
- Invoices
- Checkout configuration
- Branding
- Notifications
- Support tickets
Developer and team
- API keys
- Webhooks
- Developers
- Integration health
- Team members
- Roles
- Reports
- Exports
Metrics
- Gross payment volume
- Net payment volume
- Successful payments
- Failed payments
- Approval rate
- Conversion rate
- Refund rate
- Chargeback rate
- Average transaction value
- Payment-method performance
- Country performance
- Currency performance
- Provider performance
- Settlement position
Marketplace and platform payments
Multi-party money movement with participant-level reconciliation
Regulated fund-holding, escrow and safeguarding features are presented only where legally supported by the licensed operator and its connected financial partners.
Participants
- Sub-merchants
- Seller onboarding
- Service-provider onboarding
- Seller dashboards
- Platform dashboards
Splits and commissions
- Split payments
- Percentage splits
- Fixed splits
- Multi-party payments
- Platform commissions
- Seller commissions
- Fee allocation
- Refund allocation
- Tax-field support
Settlement structures
- Event-organizer settlements
- Venue settlements
- Driver or courier settlements
- Supplier settlements
- Delayed settlements
- Conditional settlement
- Reserve management
- Payout schedules
- Settlement statements
- Reconciliation by participant
Recurring payments and billing
Subscriptions, mandates and dunning
Subscriptions
- Customer subscriptions
- Merchant subscriptions
- Fixed recurring payments
- Variable recurring payments
- Trial periods
- Billing cycles
- Usage-based billing
- Subscription pause
- Subscription cancellation
- Plan upgrades
- Plan downgrades
- Proration
Collection
- Invoice generation
- Payment reminders
- Failed-payment retries
- Dunning workflows
- Customer payment methods
- Mandate management
- Coupons
- Discounts
- Recurring-payment reports
Payment links and invoices
- One-time payment links
- Reusable payment links
- Expiring payment links
- Fixed-value links
- Customer-entered values
- Product links
- Donation links
- QR-linked payments
- Invoice creation
- Invoice reminders
- Partial invoice payment
- Multi-payment invoices
- Downloadable invoices
- Branded payment pages
- Payment status tracking
- Link deactivation
- Link analytics
Fraud and risk tools
Layered controls, reviewed by your team
No platform can eliminate fraud. These tools are designed to reduce exposure and give reviewers the evidence and audit history they need.
Rules and scoring
- Rule-based fraud controls
- Transaction-risk scoring
- Velocity rules
- Amount limits
- Repeated-attempt controls
- Merchant-risk rules
- Customer-risk rules
Signals
- Country controls
- IP controls
- Device signals
- BIN controls
- Card-country checks
- Blacklists
- Whitelists
- Allow lists
- Block lists
Review and escalation
- Manual-review queues
- Challenge workflows
- Step-up authentication
- 3-D Secure integrations
- Fraud alerts
- Suspicious-transaction reports
- Case management
- Review notes
- Decision audit history
Ledger and reconciliation
From checkout to settlement, every value remains traceable.
Ledgers
- Double-entry accounting foundation
- Payment ledger
- Merchant ledger
- Provider ledger
- Settlement ledger
- Fee ledger
- Commission ledger
- Refund ledger
- Chargeback ledger
- Reserve ledger
- Clearing accounts
- Suspense accounts
Matching
- Daily reconciliation
- Automated reconciliation
- Manual reconciliation
- Provider-file imports
- Bank-file imports
- Settlement matching
- Mismatch queues
- Unmatched-transaction review
- Payment-to-settlement matching
Financial close
- Fee reconciliation
- Refund reconciliation
- Chargeback reconciliation
- General-ledger exports
- Accounting integrations
- Audit reports
- End-of-day reports
Settlement and payouts
Settle merchants, branches, agents and partners on schedule
Schedules
- Merchant settlements
- Daily settlements
- Weekly settlements
- Custom settlement schedules
- Net settlements
- Gross settlements
- Multi-currency settlements
Destinations
- Bank-account management
- Wallet settlements
- Branch settlements
- Agent settlements
Deductions and control
- Reserve deductions
- Fee deductions
- Refund deductions
- Chargeback deductions
- Settlement approvals
- Settlement files
- Payment instructions
- Settlement status
- Settlement statements
- Reconciliation confirmation
- Failed-payout handling
- Payout retry
- Settlement notifications
Bank and processor integrations
Every integration is a replaceable, monitored connector
Each connector ships with health status, error tracking, retry controls, timeout settings, transaction logs, credential rotation, sandbox and production configuration and provider-level reporting.
Financial institutions
- Acquiring banks
- Issuing banks
- Card processors
- Payment switches
- National payment networks
- Core-banking systems
Payment and risk services
- Wallet providers
- Mobile-money providers
- Fraud platforms
- 3-D Secure servers
- Tokenization providers
- Card-vault providers
Back office
- Reconciliation services
- Settlement systems
- Accounting systems
- ERP platforms
- CRM platforms
APIs
Payment APIs
A single REST surface across every provider, method and channel.
Endpoints
- Create payment
- Retrieve payment
- Confirm payment
- Capture payment
- Cancel payment
- Refund payment
- Retrieve refund
- Create payment link
- Retrieve payment link
- Create invoice
- Create customer
- Save payment method
- Create subscription
- Cancel subscription
- Create QR payment
- Retrieve transaction status
- Retrieve settlement
- Retrieve payout
- Retrieve reconciliation report
- Create marketplace split
- Register sub-merchant
- Retrieve balance
- Validate webhook
- Retrieve payment methods
- Retrieve exchange rates where supported
Platform requirements
- REST APIs
- Versioned endpoints
- Idempotency
- Secure authentication
- Signed webhooks
- Webhook retries
- Sandbox
- Production environment
- Test cards or simulated methods
- API logs
- Request tracing
- Error codes
- SDK support where available
- Developer documentation
- Postman collection or equivalent
- Integration guides
- Code samples
- IP allowlisting
- Rate limits
- Client-specific credentials
Security
Controls applied across identity, transaction and administration
- Tokenization
- Hosted card fields
- Card-data minimization
- Encryption in transit
- Encryption at rest
- Secure key management
- Role-based access
- Multi-factor authentication
- Session management
- API-key rotation
- Secret management
- Webhook signatures
- IP allowlisting
- Rate limiting
- Transaction monitoring
- Admin audit logs
- Segregation of duties
- Maker-checker controls
- Vulnerability monitoring
- Secure coding practices
- PCI-oriented architectural controls
Scope and claims
What we state, and what we do not
Designed to support secure payment deployments and integration with PCI-compliant processing partners. Certification requirements depend on the final deployment and operational scope.
NoDust.ai provides the technology platform. Scheme membership, acquiring rights and regulated processing are held by the banks, acquirers, processors and payment institutions connected to the platform.
No platform can eliminate fraud. Risk tooling is designed to reduce exposure and support review, not to guarantee prevention.
Regulated fund-holding, escrow and safeguarding capabilities are enabled only where legally supported by the licensed operator and its financial partners.
Connected portfolio