SysPay

SysPay Overview: What You Need To Know Before You Integrate

If you are evaluating orchestration-first providers for card processing, alternative payment methods, and unified reporting, SysPay is worth a close look. SysPay positions itself as a licensed European payment institution that helps you build a flexible, multi-acquirer payment stack with routing, risk controls, and a merchant dashboard. You can connect SysPay to your ecommerce site or app via API or ready-made plugins and manage cards, APMs, and POS within one orchestration layer.

What SysPay Is And Where It Fits In Your Stack

SysPay acts as an orchestration layer that sits between your checkout and your acquirers, PSPs, banks, and local methods. You use it to route transactions across multiple providers, optimize costs and acceptance, and monitor performance in real time. The platform is designed to give you flexibility and avoid lock-in so you can adapt to markets and regulatory shifts without rebuilding your payment flows.

Key fit considerations for you:

• You want multi-acquirer routing and geo or smart routing logic.

• You prefer unified reporting and reconciliation across providers.

• You need to add or switch APMs or acquirers without replatforming.

• You operate ecommerce and in-store channels and want one reporting layer.

Core Capabilities You Can Use

Card Processing

You can process Visa, Mastercard, American Express, CB and other schemes while retaining control over how transactions are routed to acquirers. SysPay emphasizes transparent fee visibility, acceptance rate optimization, and automated reconciliation in the merchant dashboard.

What this means for you: you can tune routing strategies per market, compare performance across acquirers, and track fees and approvals centrally.

Alternative Payment Methods

You can add a range of APMs, including Apple Pay, Google Pay, iDEAL and e-ANCV, and manage them through one API. The messaging focuses on reducing integration overhead, enabling omnichannel APM support, and centralizing reporting next to cards.

What this means for you: you can expand local acceptance without managing multiple point integrations or separate portals.

PCI Proxy And Tokenization

SysPay provides a PCI Proxy that vaults and tokenizes card data to remove sensitive data from your environment. Tokens can be routed to multiple PSPs or acquirers.

What this means for you: you reduce PCI scope and compliance complexity while keeping routing flexibility for retries, cascading, and acquirer optimization.

Dynamic Currency Conversion

DCC can present customers with pricing in their home currency while you settle in your base currency. The product is positioned to improve transparency at checkout and create a new margin lever you control.

What this means for you: you can increase cross-border conversion and manage FX economics within your orchestration policies.

Merchant Dashboard And Monitoring

You get a dashboard with real-time views of transactions, fees, and performance trends, plus tools for configuration and reconciliation. The dashboard is also used to generate secure payment links for remote payments.

What this means for you: finance and operations teams can reconcile across providers and channels, and support teams can trigger payment requests without exposing card data.

Anti-Fraud

SysPay describes an anti-fraud engine with AI-driven checks, configurable risk alerts, and tokenization as part of a PCI-DSS certified platform. In hospitality, features like extended pre-authorizations and a secure card viewer are highlighted.

What this means for you: you can tailor fraud rules to your flows while preserving approval rates, and you have hospitality-specific controls if you run lodging or travel.

POS And Omnichannel

SysPay extends orchestration to the point of sale through support for SoftPOS and traditional terminals. The positioning is a unified environment for online and in-store with shared reporting, multi-store and multi-market controls, and transparency on fees and routing.

What this means for you: you can align ecommerce and retail estates under one reporting and optimization layer.

Coverage And Methods

• Card schemes: Visa, Mastercard, American Express, CB and more.

• APMs: Apple Pay, Google Pay, iDEAL, e-ANCV among others.

• Currencies: the site states support for 21 currencies and coverage of popular local methods.

• Channels: online, mobile, and POS, with payment links for remote or service scenarios.

For marketplaces, travel, and hospitality use cases, SysPay also highlights virtual cards for supplier payments, refunds or payouts.

Integration And Developer Experience

You can connect via a REST API with HTTPS endpoints and use the merchant dashboard and plugins where available. The documentation describes authentication with an API login and shared secret, and lists API methods for payment operations and hospitality scenarios.

Compliance And Security

• Licensing: SysPay describes itself as a licensed European payment institution and indicates operations regulated by the Malta Financial Services Authority.

• PCI: The platform communicates PCI-DSS certification, tokenization, and vaulting to limit your PCI exposure.

• Strong customer authentication: As a European provider, SysPay positions its stack to support SCA under PSD2 through strong authentication technologies.

Industry Focus

SysPay highlights hospitality and ecommerce as primary industries. Hospitality pages emphasize PCI vaulting, anti-fraud, extended pre-auth, DCC, secure links, and a dedicated interface, reflecting typical hotel and OTA requirements. Ecommerce pages focus on modular orchestration, card and APM coverage, and quick integration.

How SysPay Helps You Optimize Payments

Improve Acceptance And Resilience

Multi-acquirer routing and smart routing policies let you direct traffic based on cost, performance, or geography. If an acquirer is degraded, you can fail over without rebuilding your checkout.

Control Costs And Fees

Transparent fee visibility and DCC monetization options give you additional levers. You can compare acquiring economics by BIN range, channel, or country and adjust routing.

Reduce Fraud, Maintain UX

Tokenization, vaulting, and configurable risk checks help you strike a balance between fraud prevention and conversion. In hospitality, secure card display reduces sensitive data exposure for staff.

Unify Reporting

A single dashboard across cards, APMs, and POS removes fragmented reconciliation, simplifies month-end close, and enables faster root cause analysis when acceptance dips.

Who Should Consider SysPay

You benefit most if you:

• Operate in multiple European markets and need to combine local methods with global card schemes.

• Want orchestration without committing to a single acquirer.

• Run hospitality or travel with needs like extended pre-auth, secure card viewing, and virtual card payouts.

• Plan to expand to POS while keeping one optimization and reporting layer.

If you require published, fixed pricing or a self-serve merchant onboarding flow, you should expect to engage sales instead. SysPay’s positioning centers on tailored orchestration, not one-size self-serve pricing tables.