One API to accept payments worldwide.
3S Pay is a licensed Payment Services Provider: intelligent payment routing and cross-border processing.
What we do
One integration layer that routes, aggregates and monitors payments across many providers and methods.
Unified API
One integration instead of dozens of separate PSP connections.
Smart routing
Each payment goes to the provider with the best approval rate, cost and speed.
Failover routing
If a provider is down, the payment is automatically re-routed to another.
Method aggregation
Cards, local APMs, bank transfers, QR and wallets through one layer.
Risk & fraud layer
Scoring, 3DS, AML/CFT, KYC/CDD, limits and sanctions screening.
Analytics & monitoring
Approval rate, declines, cost and latency — in real time.
Payouts & disbursements
Single and mass payouts to bank accounts and instant schemes (e.g. PromptPay) — executed via licensed local providers.
How it works
3S Pay sits between the merchant and payment providers and manages the route of each transaction.
Payment
The customer pays via an approved checkout, payment link or app.
Routing & checks
3S Pay routes the transaction to the optimal provider and runs operational checks.
Monitoring
We monitor status, risk signals and reconciliation data in real time.
Settlement & payouts
Settlement and payouts to recipients are executed via licensed local providers per the approved operational scheme.
Analytics
The platform shows, in real time:
- How many transactions
- How many succeeded
- Decline reasons
- Fees and cost
- Processing speed
- Conversion per provider
- Results by country and payment method
- Payout statuses and reconciliation with provider statements
Security & compliance
A risk-first program applied before activation and on an ongoing basis.
- Encryption of payment data and operational records
- Transaction monitoring with anomaly detection
- AML / CFT program and KYC / CDD onboarding
- Risk-based verification, ongoing and before activation
- Outgoing payouts pass AML/CFT screening, sanctions checks and four-eyes approval before execution
Payment methods, service countries and the operational scheme are defined during commercial and compliance review.
Connect payment acceptance for your business.
Share your business profile, service countries, and payment needs. Our team will contact you with the next steps.