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The Complete & Modular Payment Infrastructure for Modern Merchants

Payngen delivers a unified, operator‑built payment platform that empowers businesses to accept payments anywhere, manage risk intelligently, and scale without friction. From online checkout to in‑store terminals, recurring billing, routing, and fraud protection — every tool works together seamlessly through one gateway.

Online Payments

Payngen gives merchants everything they need to accept payments online with speed, security, and flexibility

  • Hosted payment forms
  • API‑driven checkout
  • Tokenized card storage
  • 125+ shopping cart integrations
  • Customer vault
  • One‑time and recurring billing
  • Secure card vaulting
  • Customizable payment pages
  • PCI‑friendly architecture

In‑Store & POS

Modern hardware and seamless in‑store experiences for retail, service, and hybrid merchants.

  • EMV chip readers
  • Contactless/NFC payments
  • Tip‑enabled terminals
  • Multi‑location support
  • Encrypted card readers
  • Mobile POS options
  • Unified reporting across online + in‑store

Virtual Terminal

Accept payments from anywhere — no hardware required.

  • Keyed-in card payments
  • ACH/eCheck acceptance
  • Card‑on‑file billing
  • Multi‑MID support
  • Invoice‑based payments
  • Customer vault integration

Value‑Added Services

Enhance your payment stack with additional tools.

  • Tokenization
  • Customer vault
  • ACH/eCheck
  • QuickBooks integration
  • Marketplace add‑ons
  • Third‑party integrations

Smart Transaction Routing

Optimize every transaction for cost, approval rate, and stability.

  • Multi-processor routing
  • Failover routing
  • BIN‑based routing
  • Currency‑based routing
  • Risk‑based routing
  • Intelligent fallback logic

Fraud & Risk Management

Protect your business with advanced, automated fraud controls.

  • 100+ risk checks
  • Velocity rules
  • Device fingerprinting
  • AVS & CVV enforcement
  • 3D Secure support
  • Block/allow lists
  • Chargeback alerts
  • Real‑time risk scoring

Reporting & Analytics

Full visibility and control through a unified merchant portal

  • Real-time transaction reporting
  • Settlement summaries
  • Dispute & chargeback tracking
  • Multi‑location dashboards
  • Multi‑MID management
  • Exportable reports
  • Product & inventory tools

Start processing with a gateway built for real operators, real merchants, and real growth.

Ready to Power Your Payments?

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Choose Your Starting Point

Apply for Gateway Access

If you’re already processing and just need a flexible, scalable gateway — we’ve got you covered. Multi‑MID, multi‑currency, and custom routing supported. Click HERE to get started

Apply for Payment Processing

Start fresh with a processor that understands your business. We refer you to the best fit processing solutions. Fast onboarding, high‑risk friendly, and tailored to your vertical. Click HERE to get pre-qualified.

Request Emergency Placement

If your MID was recently shut down or flagged, we offer expedited placement options to keep you live and processing. Click HERE for expedited Pre-Qualification.

Request a System Scope or Quote

If you’re unsure what’s possible or need a tailored configuration, we’ll walk you through capabilities, integrations, and pricing.

Portfolio Placement

For agents or managers placing multiple merchants