Frequently asked questions (FAQ)

Gr4vy is a payment orchestration platform that simplifies building and managing payment ecosystems for merchants. With Gr4vy, you can own and act on your payment strategy, customizing and optimizing transactions through one universal integration. Gr4vy’s no-code platform allows you to access 400+ unique payment methods and anti-fraud providers worldwide, enabling you to scale your payments ecosystem and expand into new markets quickly. With Gr4vy, you can personalize your checkout experiences for every customer, create smart rules for routing and retries, tokenize transactions, migrate data between providers, and much more. Gr4vy is PCI DSS Level 1 compliant, PSP-agnostic, and offers dedicated cloud instances, eliminating the risk of a single point of failure.

Gr4vy is a payment orchestration platform, not a payment service provider. A payment service provider (PSP) is a third-party company that facilitates electronic payments between businesses and customers, and in some cases, processes the authorization, capture and settlement of these transactions. Gr4vy is a PCI DSS Level 1 compliant Payment orchestration platform that enables merchants to plug into a library of pre-built integrations with various payment processors and fraud providers. Unlike traditional payment processors, Gr4vy’s agnostic business model allows for advanced routing logic to reduce fees and increase transaction approvals, all without any coding. Gr4vy also offers features like network tokens, account updater, vault-forwarding, and front-end orchestration. By plugging into Gr4vy, merchants can optimize their transactions and work with multiple PSPs simultaneously instead of plugging into a PSP.

Gr4vy is a payment orchestration platform, not a payment processor. A Payment Processor manages the technical aspects of processing card transactions between a merchant and the customer’s bank. It plays a crucial role in facilitating payments by transmitting payment information securely across various networks and ensuring funds move between accounts correctly. Gr4vy is a PCI DSS Level 1 compliant Payment orchestration platform that enables merchants to plug into a library of pre-built integrations with various payment processors and fraud providers. Unlike traditional payment processors, Gr4vy’s agnostic business model allows for advanced routing logic to reduce fees and increase transaction approvals, all without any coding. Gr4vy also offers features like network tokens, account updater, vault-forwarding, and front-end orchestration. By plugging into Gr4vy, merchants can optimize their transactions and work with multiple PSPs simultaneously instead of plugging into a PSP.

Gr4vy is a payment orchestration platform, not a payment gateway. A Payment Gateway acts as a conduit between a merchant’s website and the payment processor. It securely transmits payment data from the customer to the processor and communicates the response (approved or declined) back to the merchant. Gr4vy is a PCI DSS Level 1 compliant Payment orchestration platform that connects multiple gateways, fraud systems, PSPs and other tools, enabling businesses to manage and optimize their entire payment ecosystem in one place.

Payment orchestration is a comprehensive platform that allows merchants to automate and optimize their payment stack by integrating multiple payment methods, PSPs, and fraud providers into a unified platform to streamline complex payment workflows. This allows businesses to manage payment routing, risk management, compliance, and optimization from a single point of control.

The benefits of payment orchestration are:

– Improved Payment Success Rates: Smart routing and failover mechanisms help reduce payment failures, improving overall success rates for merchants.

– Enhanced Flexibility: Merchants can easily switch between or add new payment providers without requiring extensive technical work, providing flexibility and faster go-to-market capabilities.

– Operational Efficiency: Automation of processes like routing, settlement, and reporting helps businesses reduce manual tasks and improve overall operational efficiency.

– Global Reach: With support for multiple currencies, local payment methods, and international providers, payment orchestration makes it easier for businesses to operate globally.

Payment orchestration improves payment success rates, reduces transaction costs, enables global payment processing, and offers flexibility by managing various payment methods, currencies, and gateways efficiently.

– Increased Payment Success Rates: Dynamic routing through multiple gateways ensures fewer transaction declines.

– Reduced Costs: Intelligent routing helps choose the most cost-effective gateway.

– Improved Fraud Protection: Integration of multiple fraud prevention services reduces the risk of fraudulent transactions.

– Scalability: Easily handle international payments and complex payment infrastructures.

– Flexibility: Seamlessly integrate various payment methods and currencies.

With Gr4vy, you can easily manage multiple sub-merchants through a single integration. Our no-code environment allows you to set up dedicated bespoke workflows and rules for routing and retries and select specific PSPs and fraud providers for each sub-merchant, meeting individual needs while ensuring an optimal payment stack. Gr4vy also offers a white-label solution so you can empower your brand while securing an end-to-end experience for your merchant. With Gr4vy for Platforms, you can streamline the power of orchestration for all your merchants.

Yes. Gr4vy allows you to create bespoke checkout experiences and dynamically display preferred payment methods to different customers as you wish. Through Gr4vy’s no-code orchestration platform, you can create a specific set of rules for your checkout based on currency, transaction value, products, or your own custom metadata. You can also use real-time purchase data and shopping history to determine which payment options work best for each customer.

Gr4vy is an Infrastructure-as-a-Service (IaaS) company built natively in the cloud. Our solution leverages the latest innovation in cloud computing so you can have your own independent infrastructure deployment of Gr4vy, giving you full control over redundancy and performance. Gr4vy offers multiple cloud instances infrastructure around the globe with automatic failover, so you never miss a transaction. Unlike a traditional Software-as-a-Service (SaaS), Gr4vy provides a single-tenant infrastructure that can be configured to your needs and scaled across regions, ensuring optimal platform availability. With your dedicated cloud instance, there are no shared servers, no risk of slowdown or interference, and no one-size-fits-all solution. You decide where to deploy it based on your schedule and business needs.

Gr4vy is a no-code payment orchestration platform. A no-code platform is an environment that allows users to create workflows and set parameters without writing any code, basically without requiring a developer. Gr4vy platform provides an intuitive interface with easy navigability, enabling businesses to add, test, and deploy new payment methods and PSPs in a few clicks. After your initial integration, no-code changes are needed to maintain your payment stack. New connections can be added or customized with a few clicks and changes will automatically be available in your checkout.

Gr4vy is a payment orchestration platform that empowers enterprise merchants to optimize and scale their payment stack, unlock new revenue streams, and expand to new markets. Built on an IaaS model, Gr4vy’s no-code environment allows merchants to access 400+ payment methods, PSPs, and fraud providers, customize their checkout experiences, and increase conversion, all while making every payment safe. With Gr4vy, merchants can create unique workflows and decide how to route and process each transaction, ensuring optimal pricing, higher approval rates, and global payment coverage.

Gr4vy for Platforms is a white-label payment orchestration solution designed to strengthen your brand while providing a seamless experience for your merchants. With Gr4vy for Platforms, you can manage multiple sub-merchants through a single integration. Our no-code environment enables you to create customized workflows and rules for routing and retries, as well as select specific PSPs and fraud prevention providers for each sub-merchant, tailoring to their unique needs while optimizing their payment stack.

Gr4vy is PCI DSS Level 1 compliant. With Gr4vy your data is kept secure with the highest level of PCI certification, ensuring you can securely store customers’ payment details in the Gr4vy Vault, simplifying the PCI certification and maintenance for you.

Gr4vy is SOC2 Type 2 certified. SOC2 is a standard for service organizations developed by the American Institute of CPAs (AICPA).

Gr4vy supports GDPR, CCPA, Australian Privacy Law Standards and other local data regulations by acting as the data processor while ensuring that you are in control of your data.

Any company that accepts digital payments can benefit from Gr4vy’s services.

Gr4vy’s model may offer more benefits to higher transaction volumes. Discuss your business size with our team and understand how Gr4vy can uplift your payment strategy.

Gr4vy can support businesses of different sizes. Discuss your business size with our team and understand how Gr4vy can uplift your payment strategy.

Gr4vy is flexible and can support seasonal businesses. Consult with our team to understand the best options for your needs.

Gr4vy can partner with any company approved by PSPs and payment methods, except those involving adult content, firearms, tobacco, drugs, and unlicensed gaming.

Gr4vy’s customizable infrastructure can adapt to various niche markets and specialized needs. Contact us to learn more about tailored solutions.

Gr4vy is flexible, but discussing your transaction volume with our team will help determine the best fit.

Yes! Gr4vy’s no-code infrastructure reduces the need for technical staff, making it accessible for businesses with limited technical resources.

Pricing models may vary, and we advise contacting our sales team to find the best solution for your business needs.

Gr4vy’s suitability may depend on transaction volume, but we recommend discussing your specific requirements with our sales team for the best advice.

Gr4vy provides a sandbox environment for testing. However, we do not offer a live demo.

Yes, Gr4vy’s infrastructure is designed to scale with your business. Explore our innovation section to learn more about how we support your growth.

We recommend discussing your transaction volume with our team to find a suitable solution.

Yes, Gr4vy supports businesses transitioning to digital payments, offering a variety of options to ease the process.

Yes, Gr4vy enables you to create bespoke checkout experiences tailored to your business needs. You can configure rules to display different payment options based on region, cart items, currency, or any criteria you choose, ensuring an optimized checkout experience for every shopper. Payment methods can be dynamically offered according to the buyer’s past behavior, creating a more personalized and localized experience. With these capabilities, Gr4vy enables you to create checkout processes that are unique and scalable.

Gr4vy’s no-code rules engine allows you to manage and customize your payment workflows without requiring any coding expertise. Through a user-friendly interface, you can work with multiple payment providers and create and modify rules that automate payment decisions based on criteria like transaction amounts, currencies, or customer locations. Gr4vy’s platform enables you to optimize payment routing and improve efficiency, all without needing developer support. In short, Gr4vy’s no-code rules engine empowers you to optimize your payment processing without the need for technical resources, saving time and money.

Gr4vy advantages:

– Flexibility: quickly adjust payment strategies without needing a developer, allowing your business to respond to changing conditions in real time.

– Increased efficiency: automate decision-making in payment processes, reducing manual intervention and streamlining operations.

– Scalability: expand your payment infrastructure effortlessly as your business grows, maintaining control without added complexity.

– Customization: tailor payment flows based on specific business rules, improving transaction success rates and enhancing customer experience.

With a single, universal, and low-code API, your development team will only have to integrate once to gain access to all Gr4vy has to offer. Once you’re integrated, enabling any new payment service is just like flipping a switch. Here are the integrations supported by Gr4vy:

– Embed: Gr4vy’s fully featured hosted element is called Embed. It’s a pre-built checkout experience that allows you to customize the look and feel—like colors and fonts. With Embed, you can collect and store card data while simplifying your PCI compliance burden.

– API: Gr4vy’s solutions are built around APIs. The platform offers a RESTful API and SDKs in a wide variety of languages so you can integrate directly into Gr4vy’s APIs, giving you complete control and freedom over the storage of your payment’s details, PSPs, reports, and more.

– Secure Fields: Gr4vy’s hosted fields let you collect and store card details at any point of the user journey—even before the payment is ready to be processed. It’s a hosted element that blends into your page and keeps sensitive data like card numbers, expiry dates, and CVVs safe.

– Ecommerce Platform Plugins: Gr4vy supports plugins with many global ecommerce platforms and system integrators, giving your business more flexibility and opportunities. And just like all of our solutions—there’s no extra code.

Yes, Gr4vy securely stores card data by using tokenization and encryption, ensuring sensitive payment information is protected. As a PCI DSS Level 1 compliant platform, Gr4vy handles card data securely, offloading the responsibility of managing compliance from your business. This allows you to store and process card data safely without directly handling or storing sensitive information.

Yes, Gr4vy supports subscription-based businesses and recurring payments. It allows you to manage recurring billing by securely storing payment methods and handling the automation of recurring transactions. With its flexible APIs and integration options, you can set up subscription plans, manage customer billing cycles, and handle payment retries in case of failures. Gr4vy’s compliance with PCI DSS also ensures that recurring payment data is securely managed, helping subscription-based businesses maintain smooth and secure operations.

Gr4vy integrates with leading fraud prevention vendors globally to help protect your business from fraud. For chargeback management, please consult our support team for detailed options.

Gr4vy provides 24/7 customer support and assigns a dedicated customer success representative to assist you during and after the integration process.

What kind of analytics and reporting capabilities does Gr4vy provide?

Yes, Gr4vy supports integration with various business systems. Please get in touch with our team to discuss your needs.

Gr4vy’s no-code platform allows you to manage and customize your payment workflows without requiring any coding expertise. Through a user-friendly interface, you can work with multiple payment providers and create and modify rules that automate payment decisions based on criteria like transaction amounts, currencies, or customer locations. Gr4vy’s platform enables you to optimize payment routing and improve efficiency, all without needing developer support. In short, Gr4vy’s no-code rules engine empowers you to optimize your payment processing without the need for technical resources, saving time and money.

Alternative Payment Methods refer to any form of payment that does not involve traditional credit card networks like Visa or Mastercard. These methods are increasingly popular, particularly in digital commerce, as they offer diverse options for consumers who may not have access to or prefer not to use credit cards. Common APMs are e-wallets, SEPA, ACH, iDEAL, PIX, BNPL, cryptocurrencies, local payment methods and regional card schemes, and prepaid cards, among others.

Gr4vy simplifies the process for merchants by eliminating the need to manage multiple payment provider integrations and stay on top of API updates. Instead of requiring developers to integrate each payment provider’s API individually, Gr4vy offers a universal low-code API that handles interactions with various PSPs. Each connection is maintained to meet industry standards, with Gr4vy monitoring changes and applying ongoing improvements to ensure all APIs are up to date. Gr4vy continuously deploys API changes and bug fixes as they become available with zero impact on your integration.

A single-tenant is a cloud architecture where a single instance of the software or service is dedicated to one merchant. This means that the infrastructure, database, and application are exclusively used by this merchant, providing greater control over security, customization, and performance. In contrast to a multi-tenant architecture, where multiple customers share the same resources (such as servers, databases, or applications), single-tenant environments allow for more individualized configurations.

Alternative Payment Methods refer to any form of payment that does not involve traditional credit card networks like Visa or Mastercard. These methods are increasingly popular, particularly in digital commerce, as they offer diverse options for consumers who may not have access to or prefer not to use credit cards. Common APMs are e-wallets, SEPA, ACH, iDEAL, PIX, BNPL, cryptocurrencies, local payment methods and regional card schemes, and prepaid cards, among others.

Gr4vy simplifies the process for merchants by eliminating the need to manage multiple payment provider integrations and stay on top of API updates. Instead of requiring developers to integrate each payment provider’s API individually, Gr4vy offers a universal low-code API that handles interactions with various PSPs. Each connection is maintained to meet industry standards, with Gr4vy monitoring changes and applying ongoing improvements to ensure all APIs are up to date. Gr4vy continuously deploys API changes and bug fixes as they become available with zero impact on your integration.

A payment workflow outlines the entire payment journey, from the moment a customer initiates it to the completion. It defines how payments are accepted, processed, verified, and completed, including any additional steps such as fraud detection, currency conversion, etc. You can create and customize payment workflows using Gr4vy. Our platform allows merchants to build flexible and tailored payment workflows to meet their specific business requirements.

Yes, Gr4vy supports data portability. Gr4vy’s centralized vault makes it easy to store, pull, update, and distribute all your card data, simplifying compliance while ensuring you are always on top of local data regulations. It’s your data, and you can manage it as you wish. With Gr4vy, you can import your existing card data and PSP tokens from any PSP into our vault, and export the data as a PSP token, Network Token, Card Push or by simply exporting your data into a new service.

With Gr4vy, enabling a new PSP or fraud provider is quick and effortless, thanks to our plug-and-play functionality and orchestration features. Once integrated with Gr4vy’s API, you can activate a new PSP with the click of a button—in seconds.

Yes, Gr4vy supports data portability. Gr4vy’s centralized vault makes it easy to store, pull, update, and distribute all your card data, simplifying compliance while ensuring you are always on top of local data regulations. It’s your data, and you can manage it as you wish. With Gr4vy, you can import your existing card data and PSP tokens from any PSP into our vault, and export the data as a PSP token, Network Token, Card Push or by simply exporting your data into a new service.

Gr4vy’s Cloud Vault allows you to store and manage your card data as you want, ensuring PSP independency and data portability while relying on a robust and scalable cloud infrastructure.

Yes, Gr4vy supports account updater services.

We support local card processors and alternative payment methods from around the globe. So you can allow customers to choose their preferred way to pay—and even offer emerging payment options like cryptocurrency and open banking without engineering debt. Gr4vy also maintains integration updates to all connections, handling any API changes for you.

With Gr4vy’s cloud-based infrastructure, dedicated instances can be deployed to any local region or geography. You never share any server resources with other merchants—securing optimal platform security, availability, and scalability everywhere. The support for local data residency helps you comply with ever-changing local data regulations and helps reduce any latency issues while processing long distance transactions.

Yes, Gr4vy integrates seamlessly with Magento, Salesforce Commerce Cloud, and Commercetools, providing flexible payment orchestration solutions across these platforms. This integration simplifies managing multiple payment providers and methods, enhancing your eCommerce operations effortlessly.