Accept Payments
Without Borders
Connect directly to major international card schemes. Optimize approval rates with our intelligent routing engine and enterprise-grade risk management.
Enterprise-Grade Card Processing
Designed for high-volume merchants who need reliability, speed, and security.
Global Coverage
Support for Visa, Mastercard, American Express, JCB, Diners Club, and Discover.
High Approval Rates
Direct connections to card networks and intelligent routing optimization.
Fraud Protection
Integrated real-time risk engine with Verifi & Ethoca chargeback alerts.
Multi-Currency
Accept payments in 150+ currencies and settle in your preferred currency.
AI-Driven Risk Control Engine
The proprietary AI-driven risk management system processes millions of data points in real-time to identify and prevent fraudulent transactions. Certified with PCI-DSS Level 1 standards, the infrastructure integrates 3D Secure 2.0 and intelligent chargeback management protocols.
Real-time Decisioning
Proprietary machine learning models analyze 500+ data points per transaction in milliseconds.
3D Secure 2.0
Seamless integration of the latest 3DS protocols to reduce fraud liability while maintaining a frictionless user experience.
Chargeback Protection
Automated dispute resolution tools and pre-dispute alerts (Ethoca, Verifi) to minimize chargeback ratios.
Global Acquiring & Multi-Currency Settlement
Enterprise-grade infrastructure connecting you to the world's digital economy with speed and precision.
Direct Scheme Connection
Full principal member of Visa, Mastercard, and UnionPay International, ensuring higher authorization rates and lower processing costs.
150+ Currencies
Enable customers to pay in their local currency while you settle in your preferred currency (USD, EUR, GBP, HKD, SGD, etc.).
T+1 Settlement
Industry-leading settlement cycles with automated clearing to optimize your cash flow and capital efficiency.
Unified Reconciliation
Comprehensive reporting dashboard consolidating all global transactions, refunds, and chargebacks in one place.
Seamless Integration
Get started with just a few lines of code. Our SDKs and APIs are designed for developers, by developers.
- PCI-DSS Compliant Hosted Fields
- Customizable UI Components
- Webhooks for Real-time Updates
const paymentIntent = await digitop.paymentIntents.create({
amount: 2000,
currency: 'usd',
payment_method_types: ['card'],
capture_method: 'automatic',
});
// Returns
{
id: "pi_1GqIC8Hy...",
object: "payment_intent",
amount: 2000,
status: "requires_payment_method"
}Transparent and Efficient Global Settlement Network
A distributed acquiring architecture built on international card scheme standards. Through the synergy of our intelligent routing engine and bank‑grade risk control system, we achieve millisecond‑level response from transaction initiation to fund settlement. Fully compliant with PCI‑DSS Level 1, we ensure data privacy while significantly boosting cross‑border payment success rates and capital turnover efficiency.
High-Speed Transaction Processing
Direct connection to Visa/Mastercard core networks, combined with intelligent routing algorithms, ensures transactions reach issuing banks with minimal latency.
Multi-Dimensional Risk Protection
Built-in AI anti-fraud engine and 3D Secure 2.0 verification identify abnormal behaviors in real time, balancing approval rates with loss prevention.
Compliant Fund Settlement
Strict adherence to local regulatory requirements, supporting T+1 rapid settlement and automatic multi-currency conversion to guarantee secure fund arrival for merchants.