Fabrick

Fabrick: What You Can Do With Its Payment Gateway, Orchestration, And Open Banking Tools

If you sell online in Europe, Fabrick gives you two core ways to take and manage payments: a full ecommerce Payment Gateway for checkout and a Payment Orchestra layer to route transactions across acquirers and alternative payment methods. You can also add Pay by Bank for account-to-account payments, risk tools for SCA optimization, a chargeback guarantee option, and a facilitator service that simplifies how you receive credits.

What Is Fabrick

Fabrick is an open finance and payments provider offering a modular stack for accepting and optimizing digital payments. For ecommerce, the stack centers on:

• Fabrick Payment Gateway – a checkout solution with hosted and embedded flows, network tokenization, and a large catalogue of alternative payment methods.

• Fabrick Payment Orchestra – a routing and unification layer to connect multiple acquirers and payment methods with one API and a single back office.

• Add-ons – Pay by Bank (A2A payment initiation), Fabrick Advice (risk and SCA exemptions), Guaranteed Payments (post-authorization fraud and chargeback guarantee), Payment Facilitator (pre-reconciled credits), and Financial Split Payments.

Key Products And When To Use Them

Payment Gateway: Fastest Path To Checkout

Use the Payment Gateway when you want a straightforward merchant checkout with modern UX and a broad set of payment options.

• Coverage of methods and acquirers: accept cards plus 250+ alternative payment methods through connections to 20 acquirers.

• Hosted or embedded UX: choose hosted payment page, Lightbox, or iFrame to match your site design without building PCI-sensitive screens yourself.

• Network tokenization and recurring: card network tokens support one-click payments and subscriptions, with server-to-server operations to authorize, capture, refund, and query status.

• Dashboard and reporting: a single back office to view flows, set team permissions, and export reconciliations.

This path suits most businesses that need a robust checkout quickly, including those using standard ecommerce platforms.

Payment Orchestra: Multi-Acquirer Strategy And Control

Choose Payment Orchestra when you need to connect several acquirers and local payment methods, or when you want to centralize routing, reporting, and risk logic:

• One API, many connections: unify card processing and alternative methods behind a consistent schema.

• Operational tools: the same back office exposes transactions across providers, which simplifies support, settlement tracking, and custom reporting.

• Integration types: standard hosted page, Lightbox, iFrame, or direct server-to-server flows.

Payment Orchestra is designed for cross-border merchants, marketplaces, and brands wanting redundancy, failover routing, and local acceptance optimization.

Pay By Bank: Account-To-Account Payments

Fabrick Pay by Bank lets customers pay via a pre-filled bank transfer initiated from your website or app:

• Pre-filled transfers reduce errors and speed checkout.

• SCA by design: the payer authenticates with their bank under PSD2 rules.

• Settlement rails: credits can post in real time via SEPA Instant in the EU or Faster Payments in the UK, with irrevocability once completed.

• UK delivery: provided through Fabrick’s partnership with Token.io for UK payers.

Use this for high-value purchases, customers who prefer bank transfer over cards, or to reduce card scheme costs.

Advice, Guaranteed Payments, And Split Payments

• Fabrick Advice applies real-time risk analysis and SCA-exemption logic to maximize frictionless 3-D Secure flows while respecting PSD2.

• Guaranteed Payments combines post-authorization fraud checks with a chargeback guarantee model for eligible transactions.

• Financial Split Payments automates the collection and distribution of funds across stakeholders, useful for marketplaces and multi-party sales.

Payment Facilitator: How You Receive Credits

The Payment Facilitator service acts as an intermediary so you can accept payments across multiple acquirers and methods yet receive pre-reconciled credits to your own bank account:

• Single relationship: one onboarding and one operational touchpoint.

• Pre-reconciliation: Fabrick reconciles incoming settlements before crediting you.

• Currencies: choose from 15 crediting currencies to match treasury needs.

• Integrated reporting: credit data aligns with your collection data in one dashboard.

Supported Payment Methods And Wallets

Fabrick exposes a wide catalogue of local and international methods. Examples include:

• Wallets: Apple Pay, Google Pay, Click to Pay.

• European APMs: iDEAL, Bancontact, Multibanco, Giropay, SEPA Direct Debit, MyBank, Bizum, EPS, Przelewy24, Satispay.

• Global brands: PayPal, UnionPay, WeChat Pay, Alipay, Mercado Pago, and more.

This breadth lets you localize checkout without separate integrations each time.

Integrations And Plugins

You can integrate in several ways:

• Hosted payment page – least custom code, best for quick PCI scope reduction.

• Lightbox or iFrame – embedded experience with customizable UI.

• Server-to-server API – full control of payment lifecycles and automation.

• Ecommerce plugins – documentation covers connectors for Shopify, Magento 2, WooCommerce, PrestaShop, and Salesforce Commerce.

• Automation calls – authorize, capture, refund, cancel, transaction status, and card check endpoints to orchestrate payments from your systems.

This flexibility supports both rapid time-to-live and deeper bespoke builds.

Security, SCA, And Fraud Controls

• EMV 3-D Secure 2: Fabrick’s stack supports 3DS2, including Challenge and Frictionless flows with PSD2 Strong Customer Authentication.

• Exemptions support: handle low-value, TRA-based, recurring, MOTO, and out-of-scope cases correctly.

• Network tokenization: reduce PAN exposure and enable one-click and subscription use cases.

• Risk add-ons: Advice for SCA optimization and Guaranteed Payments for chargeback protection.

Fabrick’s developer materials also include PCI-DSS guidance to help you understand what remains in your scope depending on the chosen integration.

Reporting And Reconciliation

• Gateway and Orchestra dashboards: monitor transactions, export data, assign roles, and build custom reports.

• Pre-reconciled credits: if you use the Payment Facilitator, settlement data is consolidated before crediting your account, reducing manual work in ERP or treasury.

• Status page: a public status portal helps you track platform availability for operations teams.

Coverage And Availability

• Bank connectivity: Fabrick’s open-banking catalogue lists connections to over 1,500 European institutions for AIS and PIS use cases.

• Geography for PSD2 services: Fabrick notes that PSD2 payment services are not available in the UK and are offered in selected EU countries. Always verify current availability for your legal entity and country before rollout.

• Alternative payments: many APMs are global or regional, available through Fabrick’s catalogue regardless of your acquiring mix.

When Fabrick Fits Best

• You operate in multiple European markets and want broad method coverage and local acquirers without bespoke integrations.

• You need redundancy and routing control to optimize authorization rates and manage risk.

• You want to lower card acceptance costs for certain baskets with A2A Pay by Bank while keeping cards and wallets available.

• Your finance team wants cleaner reconciliation via pre-reconciled, multi-currency credits and unified reporting.

If you have a single acquirer and a narrow market footprint, the Gateway alone may meet your needs. As your payments mix gets more complex, Payment Orchestra and Facilitator add control and operational scale.

Conclusion

Fabrick’s payments stack combines a mature ecommerce gateway with orchestration and operational add-ons. You can begin with a hosted checkout and core wallets, then layer in multi-acquirer routing, Pay by Bank, risk tuning, and pre-reconciled credits as your volumes and geographies grow. Validate country availability for PSD2 services early, shortlist the alternative methods your customers expect, and choose the integration depth that balances speed with control.