okePay routes each transaction through the right rail automatically: cards, local payment methods, or instant bank payments — whichever delivers the best authorization rate, lowest cost, and fastest settlement for that customer’s region and basket.
Visa, Mastercard, Amex, JCB, UnionPay and regional schemes — cascading and 3DS2 frictionless flows built in.
Wallets, bank transfers, BNPL, vouchers and regional rails for every market you sell into.
Real-time A2A bank payments — lower fees than cards, irrevocable, and settled in seconds.
okePay connects you to every major card scheme — Visa, Mastercard, American Express, JCB, Discover, Diners and UnionPay International — alongside regional debit rails such as Mada, Meeza, Troy, Elo, Hipercard, RuPay, BC Card and Cartes Bancaires. Cards are accepted in 135+ currencies with settlement in your choice of fiat or USDT/USDC stablecoin.
Smart-routing picks the best acquirer per transaction; soft declines cascade through alternative providers within milliseconds, typically lifting auth rates +8% to +14% versus a single-acquirer baseline.
Interchange-plus pricing on every region we cover. No setup fee, no monthly minimum, no scheme markup. Refunds and chargeback alerts (Ethoca / Verifi) are bundled in.
Acquiring in EEA, UK, US, Canada, LATAM, MENA, SEA, India and Greater China. Local-issuer routing surfaces domestic schemes automatically based on the BIN.
3DS2 is enabled by default, with frictionless flows wherever the issuer supports them. Tokenisation, network tokens and account updater keep saved cards alive across re-issuance.
Cards alone cover roughly half of global e-commerce. The other half pays with wallets, bank transfers, vouchers and buy-now-pay-later. okePay surfaces the right alternative payment methods at checkout based on the shopper’s country, device and basket value — 200+ APMs across 90+ countries, all behind one integration.
Apple Pay, Google Pay, PayPal, Alipay+, WeChat Pay, GrabPay, GCash, MercadoPago, STC Pay, Toss Pay and 40+ regional wallets — one-tap on mobile, no card entry.
Pix (BR), UPI (IN), iDEAL (NL), Bancontact (BE), BLIK (PL), PayNow (SG), PromptPay (TH), FPX (MY), OXXO and SPEI (MX), Boleto (BR), Konbini (JP).
Klarna, Afterpay, Affirm, Zip, Tabby, Tamara — merchant funded up-front, shopper repays in installments. Lifts AOV by up to 30% in fashion and electronics.
APM fees vary by rail — most local bank transfers settle for a flat fee well under 1%, wallet rails track the underlying card or transfer scheme, and BNPL providers price per installment plan. Settlement currency, capture window and refund mechanics are normalised so you can reconcile every method through the same okePay dashboard and webhook stream.
Open Banking lets your customer pay directly from their bank app: they pick their bank, approve in their banking app with biometrics, and the funds land in your account on a real-time rail (Faster Payments in the UK, SEPA Instant in the EU, FedNow in the US, PayNow in SG, UPI in IN). No card networks, no chargebacks, no card-data handling.
A flat per-transaction price — typically a fraction of card interchange — with no scheme fee and no acquirer markup. Best in class for high-ticket, recurring and B2B payments where percentage fees on cards become punitive.
Bank-pushed payments cannot be reversed by the cardholder, eliminating friendly-fraud chargebacks. Funds are typically confirmed in under 10 seconds and available for payout the same day.
Live across the UK, EEA, US, Brazil, India, Singapore and Australia, with 2,500+ connected banks. okePay aggregates regulated PISP providers behind one API so you don’t pick a single TPP and lock yourself in.
Pair Open Banking with cards in cascading: offer A2A as the default for high-value baskets and fall back to cards when the customer’s bank is unsupported — capturing the cost savings without losing the conversion.
