Full control of your payment stack from one orchestration layer
BearlaPay is a Payment Orchestration Platform that sits between your product and the providers that move money. Integrate once, then run transactions across multiple acquirers, PSPs and APMs, with consistent processing logic, reporting and operations.
As you add providers, the challenge stops being connectivity and becomes control: different rules, different states, different settlement files, different dispute processes, different tooling. BearlaPay standardises the operating layer so you can scale provider coverage without rebuilding your payments logic every time.
One unified API connects you to all payment providers, eliminating the complexity of multiple integrations.
Normalize differences across providers into one consistent operating model for all your teams.
Configure routing rules, limits, and workflows per tenant without rebuilding integrations.
Intelligent routing and real-time monitoring to maximize conversion rates and minimize costs.
Route transactions by cost, geography, performance and risk signals. Apply retry logic, cascading and failover so recoverable declines can be retried through a backup path and provider outages don't become revenue outages.
Keep the checkout experience consistent while the orchestration layer handles the complexity:
Apply step-up authentication where it makes sense, maintaining a smooth checkout experience while meeting security requirements.
Support across network and PSP tokens to reduce dependency and improve portability across providers.
Centralised risk signals and controls that can be applied consistently across providers for unified security management.
Stop stitching together different provider reports and settlement formats.
Unified reporting and reconciliation across multiple PSPs and acquirers. One consistent format for all your finance teams.
Unified settlement files and clearer settlement visibility. No more manual reconciliation across different formats.
Chargeback and dispute workflows designed for operational throughput, not spreadsheets. Streamlined case management.
Multi-tenant controls, permissions, audit logs, and case management through the operations dashboard.
BearlaPay is designed to operate as a modular platform under one API and one dashboard. Beyond payment orchestration, the broader stack can include:
Where BearlaPay operates directly as an MSB, providing wallet and FX capabilities through the same unified platform.
Delivered via regulated partners, seamlessly integrated into the same operating model and dashboard.
Via BIN sponsors, with full lifecycle management through the unified platform interface.
Where applicable to your use case, seamlessly integrated into the same platform and operating model.
BearlaPay offers two deployment models to suit your business needs and regulatory requirements.
You keep provider contracts and regulated responsibilities. BearlaPay is the orchestration, operations and reporting layer.
Learn more →Use the same platform model, with BearlaPay operating specific services directly where applicable and orchestrating partner-delivered rails where required.
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