Every transaction.
Every channel. Every insight.

Pay-as-you-go. Cards online from 1.25% + €0.08, in-store from 0.50% (debit) / 0.60% (credit), APMs from €0.20 fixed. No setup fee, no monthly minimum, no volume commitment on Essential. Volume tiers kick in automatically past €80K/month — the next month's invoice reflects the lower rate without renegotiation. Chargebacks are €7.50 each (vs €15+ on most processors).

Yes — Paybyrd's surcharge engine adds a fully-disclosed, configurable fee to the cardholder at checkout in markets where surcharging is permitted (United States, Australia, parts of Canada, several LATAM corridors, EU credit-only carve-outs). The engine respects card-brand caps, regional regulatory limits, and BIN-level carve-outs (debit and prepaid usually excluded). Disclosure copy generates automatically per jurisdiction. For a retailer with €2B in surchargeable-corridor volume, this typically recovers €4M–€7M in year one.

Cadence is risk-calibrated. Qualifying merchants get same-day (T+0) or T+1 to their nominated bank in major EU corridors — all included in the headline rate, no per-payout fee, no 1% Stripe-style instant-payout surcharge. Retailers with delayed-delivery exposure (pre-orders, subscriptions, large deposits) get a tailored schedule set after risk analysis. Every payout is gross-settled and itemised by store, channel, SKU and shift so reconciliation runs ad-hoc instead of monthly.

Yes — 100%. Export any timeframe via API or CSV at any time. Full audit trail retained for the period your plan specifies. No data-hoarding, no "premium analytics" paywall, no per-report fee. Your data is one of the deliverables of our platform, not a feature we charge extra for.

Pre-built plugins: WooCommerce, Magento, PrestaShop, nopCommerce, Shopify (app), Shopware. ERP: SAP, NetSuite, Sage, Primavera, Microsoft Dynamics. Custom integrations via REST API + webhooks — the whole API surface is 30+ endpoints, fully documented at docs.paybyrd.com. Most retailers are live in under a week; multi-store rollouts in 2–4 weeks.

Both. PAX A77 (portable · tableside and poolside), PAX A920 Pro (countertop), Sunmi V3 (all-in-one ordering + payment), Sunmi T3 Pro (self-service kiosk). All PCI Level 1 certified, all receive over-the-air updates. Rent monthly with no long-term commitment, or buy outright — most retailers mix both (rent for seasonal pop-ups, buy for permanent storefronts).

Phase 1 (week 1–2): sandbox certified, first test transaction captured. Phase 2 (week 3–6): one store or one channel runs parallel processing — Paybyrd handles 5–20% of live traffic while you compare diff reports against your incumbent. Phase 3 (week 7–12): graduated cutover with rollback in your hands. No "big bang" flip — you control every step. Multi-store groups close the full portfolio in 30 days with the standard runbook.

Yes. Paybyrd is acquirer-agnostic — keep your existing acquirer agreements, your negotiated rates, your in-flight volume commitments. We orchestrate on top. If you later choose to consolidate, we can act as your acquirer across 90+ markets, but it stays a separate decision on a separate contract. No bundled lock-in.

Four layers: (1) AI velocity scoring before authorisation, (2) 3DS2 step-up that shifts liability to the issuer, (3) a shared denylist across every Paybyrd merchant blocks known bad actors before the card reaches your rails, (4) device intelligence + behavioral biometrics catch card-testing bots at the source. Retailers on Paybyrd see roughly −16.8% chargeback volume in the first two quarters. Plus cross-channel refunds: an online payment refunds at the POS, a POS payment refunds online — removing the #1 in-store chargeback trigger.

Gross settlement model. One daily payout, itemised by store, channel, outlet, SKU and shift. AI-powered ad-hoc reporting: "show me Store Porto's Mastercard volume yesterday 14:00–18:00" returns in seconds. No CSV exports, no manual matching against bank statements, no month-end marathon — and the same view covers web, POS, kiosk, mobile and PayByLink. Refunds, chargebacks and fees itemise per-line on the payout so your accounting team runs clean.

Yes — all first-class, not afterthoughts. Scan-and-go via QR (guests scan with their phone, pay, walk out). In-app checkout via native iOS/Android SDK. Kiosk flows on Sunmi T3 Pro with unattended 3DS handling. Tap-to-pay on any NFC-capable phone (no extra hardware needed for small shops or pop-ups). Every mode settles into the same folio and the same payout.

Three shipping-today capabilities: (1) AI reconciliation — cross-channel transaction matching, anomaly detection, discrepancy alerts; (2) AI dashboard assistant — ask natural-language questions, get PayLinks, pull transaction details; (3) AI fraud screening — velocity, device reputation, behavioral biometrics, cohort-wide shared denylist. No black-box scoring — every component signal stays visible on the review page.

Yes. PCI DSS Level 1 certified (the highest tier), PSD2-compliant 3DS2, GDPR-ready with EU-resident data storage by default. Tokenisation on every card so your systems never hold raw PAN data — scope reduction is immediate. Self-hosting available on Custom plans for regulated markets with stricter data residency requirements (Brazil, Angola, and specific EU jurisdictions).

Yes — designed for multi-store from day one. Partner → Merchant → Store hierarchy with shared rule sets that cascade down (one top-level fraud policy applies to every store automatically, with per-store overrides where needed). Each store workspace stays fully isolated — a compromise at one never reaches another. Role-based access: HQ sees everything, Store Manager sees their store only, Regional sees their region.