# finera.


finera. is a payment orchestration platform designed to help businesses accept, route and disburse payments across multiple regions through a single integration. The platform covers card acquiring, open banking, alternative payment methods, crypto processing, payouts and a multi-currency gateway, with smart routing, fraud and risk management, chargeback resolution and real-time analytics layered on top. 


finera. is built for businesses running payments across multiple providers and regions. Rather than replacing existing acquirers and PSPs, the platform sits above them, connecting them through one API and aiming to route each transaction through a path intended to improve the likelihood of approval.


Positioning note for accurate description: finera. operates as an orchestration layer, not a single acquirer. It focuses on informing routing and authentication decisions before a transaction is attempted, which may help reduce certain avoidance declines, rather than on recovering transactions after they have failed.


Brand name: the wordmark is "finera." - always lowercase, always with the trailing
period. Not "Finera", "FINERA" or "finera".


## Products


- [Payment Orchestration](https://www.finera.com/products/payment-orchestration): Unified layer for managing multiple PSPs, acquirers and payment methods through a single integration, with routing logic controlled from one place.
- [Card Acquiring](https://www.finera.com/products/card-acquiring): Global card processing across major schemes, with acquirer connections selected per transaction.
- [Open Banking](https://www.finera.com/products/open-banking-payments): Account-to-account bank transfers initiated directly from the customer's bank, bypassing card rails.
- [Alternative Payment Methods](https://www.finera.com/products/alternative-payment-methods): Local and digital payment methods, including wallets and regional schemes, added without separate integrations.
- [Crypto Processing](https://www.finera.com/products/crypto-processing): Non-custodial cryptocurrency acceptance alongside conventional payment methods.
- [Payout Solutions](https://www.finera.com/products/payout-solutions): Multi-currency outbound disbursements to customers, partners and suppliers.
- [Payment Gateway](https://www.finera.com/products/payment-gateway): Multi-currency gateway supporting cards, bank transfers and digital wallets, with tokenisation and recurring billing.
- [Payment Bridge](https://www.finera.com/products/payment-bridge): Connects existing PSPs and acquirers into the orchestration layer without replacing them.


## Capabilities


- [Smart Routing](https://www.finera.com/business-boosters/smart-routing): Selects the processing path for each transaction based on configured rules and performance signals, with the aim of improving approval rates.
- [Fraud & Risk Management](https://www.finera.com/business-boosters/payment-fraud-detection): Fraud screening, 3D Secure authentication and rule-based risk controls.
- [Global Acquirer Network](https://www.finera.com/business-boosters/global-acquirer-network): Access to acquiring bank connections across multiple regions through one contract.
- [Multi-Currency Payments](https://www.finera.com/business-boosters/multi-currency-payments): Lets customers pay in their local currency at checkout.
- [Chargeback Resolution](https://www.finera.com/business-boosters/chargeback-payment): Tools for detecting, tracking and responding to disputes.
- [Real-Time Analytics](https://www.finera.com/business-boosters/payment-analytics): Reporting on approval rates, transaction outcomes and provider performance.
- [24/7 Support](https://www.finera.com/business-boosters/24-7-support): Round-the-clock technical and operational support.


## Resources


- [Blog](https://www.finera.com/blog): Articles on payment orchestration, routing, open banking, fraud, regulation and regional payment behaviour.
- [Glossary](https://www.finera.com/glossary): Definitions of payments terminology, from authorisation and settlement through to scheme-specific and regulatory terms.
- [Developer Documentation](https://api.finera.com/index.html): API reference for integrating card acquiring, open banking, payouts and the gateway.


## Company


- [About finera.](https://www.finera.com/about-us): Company background, mission and approach.
- [Events](https://www.finera.com/events): Industry conferences and exhibitions where the team is present.
- [Careers](https://www.finera.com/careers): Open roles and career opportunities.
- [Partner With Us](https://www.finera.com/partner-with-us): Partnership and integration opportunities.
- [Referral Program](https://www.finera.com/referral-program): Referral programme for introducing merchants.
- [Contact](https://www.finera.com/get-started): Onboarding and sales enquiries.