Gr4vy Pulse

WHAT’S NEW

With a refreshed design tailored to help you quickly identify and resolve issues, the new dashboard homepage now features enhanced functionality and provides real-time insights into key metrics like transaction volume and data, securing a 360 view of your payment operations.

HOW IT WORKS

It reduces transaction failures, boosts reliability, and empowers teams with aggregated payment data for smarter decision-making, allowing merchants to identify trends, anticipate issues, and optimize authorization rates for greater efficiency. Key features include daily, weekly and monthly views, with views across the currencies used, transaction count, authorization rates, and the refunds made.

WHAT’S NEW

Gr4vy now offers universal settlement reporting across multiple PSPs, including Stripe, Adyen, Nuvei, and Braintree. Our platform automatically retrieves settlement files, reconciles them with your records, and generates standardized reports tailored to your reconciliation requirements.

Additionally, our API introduces three new fields for every settled transaction, such as settlement value and currency, allowing you to track and identify refunded transactions and monitor their status seamlessly across all supported PSPs. 

HOW IT WORKS

Settlement reporting streamlines financial reconciliation by consolidating transactional data from various payment service providers into a unified report. Each day, Gr4vy fetches settlement reports generated by your configured PSPs, and then, after ingesting them into the merchant’s account, Gr4vy produces a consolidated, standardized CSV report. This comprehensive report includes information on captured funds, deducted fees, and net amounts transferred to your account, facilitating accurate financial record-keeping and efficient cash flow management. Merchants can schedule or download the reports on demand.

For more details, see the documentation.

WHAT’S NEW

We’re excited to introduce a new feature: payouts! This update enables merchants to process Original Credit Transactions (OCT).

HOW IT WORKS

This feature empowers merchants to process payouts directly to Mastercard or Visa cards. To enable this functionality, Gr4vy ensures that transactions are sent to each PSP with the appropriate OCT (Original Credit Transaction) indicators. In this initial release, we’ve introduced support for OCT with Nuvei and Checkout.com. Future updates will include support for additional OCT use cases and integrations with connectors like Stripe and Adyen.

For more details, see the documentation.

WHAT’S NEW

Gr4vy now supports Apple Pay in non-Apple browsers! With the release of iOS 18, Apple expanded Apple Pay compatibility to browsers beyond Safari, enabling us to offer support for this wallet across all major desktop browsers.

HOW IT WORKS

Gr4vy Embed now automatically displays the Apple Pay option on supported devices. For non-Safari browsers, a pop-up will appear with an Apple Pay QR code, allowing users to scan the code with their iOS 18+ compatible iPhone and complete their transactions seamlessly on the device. 

For more details, see the documentation.

Did you know Gr4vy integrates gift cards as a native payment method? This allows merchants to offer them alongside other options such as cards, PayPal, BNPL, and more—all seamlessly managed as a split tender payment through our platform.

We handle all the complexities of split tender processing, including accounting for 3DS or fraud reviews, and we ensure seamless management of reversals for authorizations and gift card redemption in case of transaction failures. Through our workflow manager tool, merchants can effortlessly detect gift cards in baskets or selected as a payment method, making it easy to decline or approve transactions as needed.

Merchants can enable gift cards to their checkout through a single API call, significantly reducing operational complexity.

For more details, see the documentation.

WHAT’S NEW

Our workflow engine allows merchants to build complex and dynamic rules for routing payments to a whole suite of PSPs, but now, with this release, we allow merchants to bypass our workflow engine and directly route a payment to a desired PSP. 

HOW IT WORKS

The merchant will configure the specific connection ID and set up the rule.

Gr4vy now supports storing Apple Pay and Google Pay wallets for future use, enabling recurring payments and card-on-file use cases. This feature is available on any connector that supports digital wallets, including Stripe, Adyen, Cybersource, Mastercard, and Nuvei, though regional issuer support may vary. 

To enable it with Gr4vy Embed, set the store property to “ask” or “true,” and Gr4vy will handle provider signaling to keep the card on file. Stored tokens appear in the dashboard like any other, but on mobile, cards are stored as device tokens (DPAN), which expire if the card is removed from the device.

This feature lets businesses decrypt Apple Pay and Google Pay tokens while processing payments through Gr4vy. By obtaining Apple/Google developer certification, businesses can decrypt tokens and send the data, such as card numbers and cryptograms, to Gr4vy’s POST /transactions API. Decrypted tokens appear in the Gr4vy dashboard.

While available to all merchants, this feature requires agreements with Apple and Google and entails stricter PCI compliance for those managing decryption.