PRODUCT / ROUTING ENGINE OPERATIONAL
§ 00
PRODUCT

Routing infrastructure for global commerce.

One integration reaches 200+ connection methods across 150+ countries. Velora evaluates every route in real time and executes each transaction on the optimal path.

PRINCIPLE
Connect once, route everywhere.
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EXECUTION LOG
STREAMING
METHODROUTECOSTLAT
Visa · USrtp.chase09bps740ms
Alipay · CNalp.direct12bps180ms
UPI · INupi.hdfc04bps220ms
Pix · BRpix.itau07bps310ms
SEPA · EUsepa.db11bps1.2s
Mada · SAmada.rajhi14bps090ms
Card · GBcard.wpay21bps650ms
214 routes evaluated38ms median · 98.2% success
200+ METHODS · 150+ COUNTRIES · ZERO FUND CUSTODYSCROLL TO EXPLORE ↓
§ 01 —CONNECTION

Global coverage through a single integration.

Velora maintains live technical integrations with 200+ connection methods across 150+ countries. Card networks, digital wallets, bank transfers, and BNPL — all reachable through one unified API endpoint.

Card networks — Visa, Mastercard, local schemes
Digital methods — Alipay, GCash, Dana, OVO, STC Pay
Bank transfers — UPI, local ACH equivalents
BNPL — regional providers across APAC & Middle East
FOCUS MARKETS · APAC · MIDDLE EAST · RUSSIA & CIS · EMERGING
CHANNEL TOPOLOGY
ROUTE DECISION
§ 02 —ORCHESTRATION

Real-time routing, automatic optimization.

Every transaction is evaluated across all available routes in real time. The engine scores each path on success rate, cost, and latency — then selects the optimal route automatically.

Real-time route scoring per transaction
Multi-channel cascading fallback
Rule-based overrides for custom logic
Continuous learning from outcome data
AVG ROUTING DECISION · <50MS · FALLBACK ON FAILURE
§ 03 —COST OPTIMIZATION

The same transaction. Three different outcomes.

Velora evaluates every available route and selects the one that maximizes success rate while minimizing cost.

PATH A
MERCHANTGATEWAY AACQUIRER
94.1%
SUCCESS · $0.18 FEE
AUTO-SELECTED
PATH B — VELORA CHOICE
MERCHANTVELORAACQUIRER B
98.2%
SUCCESS · $0.12 FEE
PATH C
MERCHANTGATEWAY CACQUIRER
91.7%
SUCCESS · $0.21 FEE
CONVERGENCE FIELD
§ 04 —AUTO RECONCILIATION

Disordered records, resolved into one truth.

Manual, line-by-line reconciliation becomes a fully automated pipeline. Statements from every source are ingested, normalized, and matched — people only touch what genuinely needs judgment.

1Multi-source ingest — platform flow and every PSP statement stream in automatically, no manual export.
2Normalize to one schema — field formats, currencies, and time zones cleaned to a single canonical view.
3Smart matching — configurable rules match every entry; successes auto-clear, discrepancies grade by type.
4Discrepancy isolation — amount mismatch, missing, or duplicate surfaced at a glance and routed to a workbench.
§ 05 —AI-POWERED

Deciding under uncertainty, in real time.

AI is not a single feature but the decision core running through every stage — choosing routes, attributing anomalies, and flagging risk before funds move, so the system judges faster and steadier than manual ops.

1Smart routing decisions — models score every channel on success rate and cost, then pick the optimal path.
2Anomaly attribution — reconciliation gaps and transaction anomalies are auto-diagnosed and graded.
3Early risk detection — suspicious patterns are surfaced with warnings before any loss occurs.
4Continuous learning — decision outcomes feed back into training as channel and risk behavior shift.
DECISION FIELD
VELORA MODEL
MERCHANTVELORA · ROUTES REQUESTACQUIRER
ZERO FUND CUSTODY · DIRECT SETTLEMENT
§ 06 —SECURITY & TRUST

Zero fund custody.

Velora processes routing requests only. Transactions flow directly between merchant and acquirer — we never custody or settle your funds.

PCI DSS
GDPR
AWS
§ 07 —GET STARTED

Ready to connect to the world's partner networks?

ONE INTEGRATION · 200+ METHODS · 150+ COUNTRIES
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