A
Unified Gateway API
A single, versioned API for cards, wallets and local payment methods. One integration covers every scheme, market and storefront you operate.
Payment processing software · London
The processing core for modern commerce.
Lyvora builds acquirer-grade payment software — a unified gateway, intelligent routing and a certified tokenization vault — so e-commerce platforms can accept payments anywhere without carrying the complexity.
—
median auth 118 ms
01 / Platform
One platform for the entire
transaction lifecycle.
From the first API call to settlement reporting, every stage of a card or wallet payment runs on software we engineer, certify and operate.
B
Intelligent Routing
Real-time orchestration across acquirers with rule-based routing, cascading retries on soft declines and continuous authorization-rate optimisation.
C
Tokenization Vault
Card data never touches your systems. Our PCI DSS Level 1 vault issues durable tokens and provisions network tokens with the schemes.
D
3-D Secure 2
Native 3DS2 flows with a built-in exemption engine — frictionless where risk allows, challenged where regulation requires.
E
Risk Engine
Millisecond fraud scoring on every authorization: velocity rules, device signals, issuer-response learning and chargeback casework tooling.
F
Reconciliation
Ledger-grade reporting that ties every authorization to its capture, settlement file and payout — exportable, auditable, exact.
02 / Orchestration
Every transaction takes
the strongest path.
Routing decisions are made per-transaction, in real time, against the live state of your acquirer connections. Declines cascade automatically; approval-rate deltas are measured and fed back into the rules.
- Rule-based routing by BIN, currency, amount and issuer country
- Automatic failover when an acquirer degrades
- Retry cascades on soft declines — invisible to the customer
- Per-route cost and approval analytics, updated hourly
R-01
if currency = GBP and bin.country = GB
→ route acq_uk_01
R-02
if currency ∈ {EUR} and amount > 25 000
→ route acq_eu_02 with 3ds = required
R-03
on soft_decline (05, 91)
→ cascade acq_eu_01 → acq_eu_03
R-04
if acquirer.health < 0.98
→ drain traffic, alert noc@lyvora
R-05
default → route acq_uk_02, learn
uplift vs. static routing
+2.4 pp approvals
03 / Developers
One API.
Every rail.
The Lyvora API is deliberately small: predictable resources, deterministic errors, idempotency on every mutation. Sandbox behaves exactly like production — down to issuer response codes.
- Idempotent by default — safe retries on every request
- Versioned API with 18-month deprecation guarantees
- Signed webhooks with replay protection
- Client libraries for TypeScript, Python, PHP and Java
01
Scoping
Your volumes, markets and acquirer mix, mapped into a routing plan by our solutions team on the first call.
02
Sandbox
Credentials on day one — test cards, issuer simulators and every decline code you will ever meet in production.
03
Build
Guided integration with a named engineer. Questions answered in minutes over a shared channel, not tickets.
04
Go live
End-to-end checks against production rails, then first authorizations — monitored side by side with your team.
named solutions engineer on every integration
end to end
04 / Security & Compliance
Built to the standard.
Audited against it.
Security is not a feature of the platform — it is the platform. Lyvora operates as a certified service provider under continuous independent assessment.
PCI DSS
Level 1 Service Provider — assessed annually by an independent QSA
Certified
Encryption
AES-256 at rest, TLS 1.3 in transit; keys managed in dedicated HSMs
Enforced
Assurance
Annual penetration testing, quarterly ASV scans, 24/7 security monitoring
Continuous
Segregation
Lyvora is a software provider — we do not hold, control or transmit client funds
By design
05 / Contact
Put Lyvora under
your payments.
Tell us about your volumes, markets and current setup — we will come back within one business day with an integration plan.