Move value across borders with one unified API. 180+ countries. Enterprise-grade reliability. Zero friction.
A unified system that routes, optimizes, and settles payments with zero friction — engineered for scale.
Move value across 180+ countries through a single, intelligent routing system that optimizes for speed, cost, and compliance.
One API to access cards, bank transfers, wallets, and alternative payment methods. No fragmentation. Pure orchestration.
Built on multi-region architecture with 99.99% uptime SLA. Bank-grade security. Infinite horizontal scale.
Real-time visibility across every transaction, route, and settlement — engineered for operators who demand precision.
Connect via our unified API. One integration unlocks every payment method globally.
Our intelligent engine selects the optimal path for each transaction in real-time.
Transactions flow through our secure, compliant infrastructure with bank-grade encryption.
Funds arrive in your preferred currency. Full reconciliation. Zero manual work.
Every feature engineered to eliminate friction, maximize success rates, and provide complete visibility.
ML-powered engine analyzes 50+ signals per transaction to select the optimal path for maximum authorization rates.
Accept payments in 135+ currencies and settle in your preferred denomination with competitive FX rates.
Real-time risk scoring that learns your business patterns. Block fraud. Approve good customers. Automatically.
Live dashboards with millisecond latency. Track authorization rates, revenue, and operational health instantly.
Automatic matching across all payment methods. Generate audit-ready reports with one click.
Configure approval flows, routing rules, and notification triggers to match your exact operational needs.
Direct connections to local payment networks, banks, and processors in 180+ countries.
Built from the ground up for organizations that cannot afford to compromise on security or compliance.
The highest level of payment card industry compliance. Audited annually by qualified security assessors.
Independently audited controls for security, availability, and confidentiality. Full transparency for your auditors.
Active-active deployment across multiple geographic regions. Zero single points of failure. Automatic failover.
Clean, predictable, and meticulously documented. Built by engineers who understand what it takes to ship.
"CosmoPAY reduced our payment failures by 40% and cut our integration timeline from months to weeks. The API is exactly what we wished every payment provider offered."
"The dashboard gives us visibility we never had before. We can see exactly where every dollar is, in real-time. That level of operational clarity is transformative."
"Our authorization rates increased by 12% after switching to CosmoPAY's intelligent routing. That's millions in recovered revenue we were leaving on the table."
Join the companies building the future of global commerce. Schedule a conversation with our team.