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Payment service providers

Payment orchestration for payment service providers

For PSPs and ISOs, every new acquirer, method or market normally means another integration to build and maintain. One BLK Tech connection turns that into configuration: orchestration, merchant sub-accounts and reconciliation you can run at scale.

One integration

New acquirers and methods land behind the same endpoint pattern your merchants already use.

SAME ENDPOINTBEHIND IT
/v1/payments
ACQUIRER A
ACQUIRER B
+ ACQUIRER C
Nothing changes for merchants

Merchant-grade tooling

Sub-accounts, settlement runs and reconciliation exports built for portfolios, not single stores.

PORTFOLIO
STORE 01
STORE 02
STORE 03
SETTLEMENT RUN
EXPORT READYPortfolios, not single stores

Margin protection

Cost-aware routing and retry cascades that stop recoverable declines becoming lost revenue.

ACQUIRER A1.9%DECLINED
RETRY
ACQUIRER B1.4%APPROVED
+ 249 EUR RECOVEREDCheapest route first · retry on soft decline

Services presented

Orchestration for a merchant portfolio

The services we present to payment service providers, sized for a book of merchants rather than a single checkout.

  • Gateway orchestration

    Route by cost, success rate, method, currency or geography, as rules your team can change.

  • Merchant onboarding

    Sub-account structures, per-merchant configuration and limits that mirror your commercial terms.

  • Settlement and reconciliation

    Collection-to-settlement mapping, scheduled payout runs and exports your finance team can ingest.

  • Chargeback mitigation

    Evidence captured at authorisation and a dispute workflow that survives an audit.

  • White-label wallet layer

    Hold balances for merchants between collection and settlement, with every split traceable.

The flow

How a PSP portfolio runs on BLK Tech

  1. Collect

    transactions arrive from your merchants through one gateway integration.

  2. Route

    rules pick the acquirer or method by cost, success history and risk score.

  3. Hold and split

    funds land in sub-accounts with fees retained on the ledger.

  4. Settle

    payout runs settle to merchants on your schedule, with reconciliation files produced.

FIG. — MANIFOLDONE WIRE, NOT ONE PER ACQUIRER
M-01M-02M-03M-04
ACQ-01ACQ-02ACQ-03ACQ-04
BLK CORE

Products behind it

What we deploy for this industry, and why

Wallets

Digital wallet infrastructure

Sub-account balances for holding, splitting and settling merchant funds.

Explore wallets
MULTI-CURRENCY€24,850EUR · Business wallet
ONLINE
EUR24,850.00
USD18,240.00
GBP9,110.00

Gateway

Secure payment gateway

The orchestration layer: routing, retries, tokenisation and method coverage.

Explore the gateway
PAYMENT
ROUTE
acquirer_a
acquirer_b
local_rail

Cross-border payments

Cross-border payments

Screening, monitoring and evidence trails across the whole portfolio.

See cross-border
EUR
MXNSEPA / SPEI
GBP
BRLFPS / PIX
USD
INRSWIFT / UPI
EUR
USDSEPA / ACH
Sector controls · in deploymentEvidenced
ENCRYPTend-to-end, in transit and at restENFORCED
SCREENsanctions and AML checks inside the flowIN-FLOW
MONITORreal-time transaction monitoring and alertslive
POLICYlimits, approvals and role separationconfigured
reportaudit trails and regulatory exportsEXPORTED

Compliance & risk

Controls built for your sector’s compliance requirements

A PSP carries its merchants’ risk as well as its own. Tokenisation keeps card data out of your systems and reduces your PCI scope; screening and dynamic risk assessment run in the authorisation flow; and monitoring is per-merchant, so a single bad actor in the book is visible before it becomes your problem.

Security & compliance

FAQ

Payment service providers, answered

Yes. Many providers start with a subset of traffic: one region, one method or one merchant segment, and expand once the routing behaves as expected in production.

Next step

Send us your acquirer list.
We will map the orchestration.

Show us the methods, markets and merchant segments you support today, and where the next integration was going to come from.