One integration for cards, wallets and local methods. When one acquirer declines, CashOrca retries on the next in the same checkout, so you keep the sales other gateways lose.
The dashboard and app your merchants get on day one. Approval rate by acquirer, payouts by currency, disputes with a deadline.
The problem
card payments is declined on the first try
of soft declines approve when retried on another acquirer
extra clicks for your customer. It happens inside the same checkout
Industry averages for card-not-present payments. Your numbers depend on market, card mix and risk profile.
Start with a payment link today. Add checkout, routing and payouts as you grow, on the same account.
Rules send each payment to the acquirer most likely to approve it, by card country, currency, brand or amount. Soft declines are retried on the next route automatically. Hard declines are not, so your record with the card schemes stays clean.
A fast, branded payment page with cards, Apple Pay, Google Pay and local methods. No PCI work on your side.
Sell without a website. Share by WhatsApp, email, Instagram or a QR code at the counter.
Daily payouts to your bank in USD, EUR, AED or GBP, with a clear line from every sale to every transfer.
Fraud checks before the payment reaches an acquirer, early alerts that stop chargebacks, and an evidence checklist when one happens.
See sales live, take a payment, send a link or refund a customer from your phone.
Tell us about your business. Most merchants are verified within two working days.
Add a payment link, a plugin for WooCommerce or Magento, or our API. Test with sandbox cards.
Flip to live keys. Routing, fraud checks and payouts are on from the first payment.
For developers
const res = await fetch("https://checkout.cashorca.com/api/v1/session", {
method: "POST",
headers: { "Content-Type": "application/json" },
body: JSON.stringify({
merchant_key: process.env.CASHORCA_MERCHANT_KEY,
operation: "purchase",
order: { number: "NW-104823", amount: "248.00", currency: "USD", description: "Order NW-104823" },
success_url: "https://shop.example.com/thanks",
hash, // signed on your server
}),
});
const { redirect_url } = await res.json(); // send the customer hereper successful card payment
Processing over $100,000 a month, or need dedicated acquirers, custom routing or a white-label checkout? Talk to us.
Instead of sending every payment to one bank, CashOrca picks the acquirer most likely to approve it. If it declines with a soft reason, such as the issuer being unavailable, we retry on the next acquirer in the same checkout.