PAYMENTS INFRASTRUCTURE FOR COMPLEX COMMERCE

Payments built for businesses that don’t fit the standard box.

Reliable card processing, tailored acquiring, and payment infrastructure for ambitious businesses operating in complex commerce.

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FOR ESTABLISHED MERCHANTS AND PLATFORMS. SUBJECT TO UNDERWRITING AND ELIGIBILITY REVIEW.

VERTLOINFRASTRUCTURE
LIVE VOLUME · TODAY
$1,842,310.50
MID US-01 · ACTIVEMULTI-ROUTE
TRANSACTIONTXN-84126
$184.00ROUTING
ROUTEDAUTHORISEDCAPTUREDSETTLED
ROUTING ACTIVE · 3 ACQUIRERS
MULTI-ACQUIRER INFRASTRUCTUREDEDICATED UNDERWRITINGINTELLIGENT PAYMENT ROUTINGRECURRING BILLING SUPPORTREAL-TIME REPORTINGHANDS-ON RISK OPERATIONSMULTI-ACQUIRER INFRASTRUCTUREDEDICATED UNDERWRITINGINTELLIGENT PAYMENT ROUTINGRECURRING BILLING SUPPORTREAL-TIME REPORTINGHANDS-ON RISK OPERATIONS
WHEN STANDARD PAYMENTS STOP WORKING

Standard payments were not built for your business.

Most providers are designed for straightforward transactions, predictable products, and low-touch support. That works until your business grows quickly, runs subscriptions, sells internationally, or needs more than one route to keep payments moving. Then the same generic setup becomes a bottleneck:

/01Unexpected account reviews.
/02Unclear reserve requirements.
/03Declining approval rates.
/04One processor holding all the control.
STANDARD PROVIDER · SINGLE ROUTERESTRICTED
ACCOUNT REVIEWOPENED · NO ETA
FALLBACK ROUTENONE
WITH VERTLO
VERTLO · MULTI-ROUTESTABLE
US-01
ACTIVE
UK-02
ACTIVE
EU-03
ARMED
WHAT VERTLO PROVIDES

Infrastructure configured around your business.

Tailored processing and acquiring

Acquiring relationships and MID structures built around your category, volumes, and markets, with dedicated underwriting instead of automated rejection.

MULTI-ACQUIRERDEDICATED UNDERWRITINGMULTI-CURRENCY
ACQUIRER NETWORK
ACQ-01 · USACTIVE · PRIMARY
ACQ-02 · UKACTIVE
NEW MID · US-01BIN UNDERWRITING
AUTH PIPELINEAUTHORISING…

Routing that protects revenue

Transactions are directed to the route most likely to approve them, using rules based on card type, geography, ticket size, and billing model. Fallbacks stand ready.

SMART RULESAUTOMATIC FALLBACKREBILL-AWARE
CHECKOUTROUTER
ROUTE A68%
ROUTE B27%
FALLBACKARMED
EVALUATING: CARD TYPE · GEOGRAPHY · TICKET SIZE

Hands-on risk operations

Dispute evidence, review queues, retry schedules, and chargeback alerts are managed with you, so issues are handled before they threaten the account.

DISPUTE WORKFLOWSREVIEW QUEUECHARGEBACK ALERTS
RISK OPERATIONSMONITORING
DSP-0221 · Evidence packPREPARED
REV-1042 · Volume step-upIN REVIEW
MONITOR · Rebill cohortNOMINAL
CHARGEBACK ALERTSON

Settlement without surprises

Clear settlement timelines, transparent reserve positions, and reconciliation exports your finance team can actually close the books with.

SETTLEMENT TIMELINERESERVE VISIBILITYCSV · PDF · API
SETTLEMENT TIMELINEUSD
T+0 CLEAREDT+1 TRANSITT+2 SCHEDULED
RESERVE POSITION98% OF TARGET
RECONCILIATIONCSV · PDF · API
WHAT IMPROVES FOR YOU

More control over every transaction.

Checkout approvalLIVE
92.6%
ROUTE A · PRIMARYOPTIMAL

Stronger checkout performance. Tailored acquiring and intelligent routing reduce avoidable declines and protect revenue at the moment of payment.

MID UK-02ACTIVE
MID US-01PRIMARY
VERTLOACTIVE
3 MIDS · 2 ACQUIRERS · FALLBACK ARMED

No single point of failure. A multi-route setup keeps payments moving through growth, volume changes, and operational complexity.

Operating viewTODAY
SETTLEMENTSON SCHEDULE
SUBSCRIPTIONS3,214 ACTIVE
DISPUTES2 IN REVIEW
RESERVES98% OF TARGET

Nothing hidden from view. Transactions, settlements, subscriptions, disputes, and reserves live in one clear operating picture.

HOW YOU RUN IT

One command centre for your payment operation.

Approval performance, MID activity, dispute exposure, subscriptions, settlements, and reserves. Live, in one place, for your whole team.

VERTLO OS/ OPERATIONS
SYNCING
TRANSACTION ACTIVITYSTREAMING
TXN-84127$1,240.50ROUTED
TXN-84126$184.00APPROVED
TXN-84133$1,284.00ROUTED
TXN-84132$64.00APPROVED
TXN-84131$758.25SETTLED
PAYMENT PERFORMANCE · 30D
ROUTE AROUTE BBLENDED
SETTLEMENT TIMELINE
T+0 CLEAREDT+1 TRANSITT+2 SCHEDULED
ROUTING
ROUTE A · US-01STANDBY
ROUTE B · UK-02STANDBY
FALLBACK · EU-03STANDBY
RESERVE
ROLLING RESERVE98% OF TARGET
RISK REVIEW QUEUE
REV-1042 · Volume step-upIN PROGRESS
DSP-0223 · New dispute receivedREVIEW
ANALYTICS

Revenue intelligence, not just reporting.

Approval rates, decline reasons, routes, geographies, and billing cohorts in one oversized operating picture.

PERFORMANCE ANALYTICSLAST 30 DAYS · ALL MIDS
GROSS VOLUME
$0+12.4%
APPROVAL RATE
0%+1.8pt
TRANSACTIONS
0+9.2%
AVG ORDER VALUE
$0+4.6%
APPROVAL PERFORMANCE BY ROUTE■ ROUTE A■ ROUTE B■ REBILLS
WEEKLY APPROVED VOLUME
FRAUD & RISK OPERATIONS

Every transaction scored. Every issue handled early.

LIVE SCORING FEEDSCORING
TXN-9312$184.0097APPROVED
TXN-9311$758.2571REVIEW
TXN-9310$96.0095APPROVED
TXN-9309$2,410.0062STEP-UP · 3DS
TXN-9308$312.0093APPROVED

ILLUSTRATIVE DEMO DATA · SCORES AND OUTCOMES ARE EXAMPLES ONLY

RISK ENGINE SIGNALSWEIGHTED
VELOCITYHIGH SIGNAL
GEOGRAPHYMEDIUM
DEVICE & SESSIONMEDIUM
CUSTOMER HISTORYLOW
BLENDED MODEL SCORE0%CONFIDENCE

Signals feed dispute prevention, retry schedules, and review queues, handled with you by a team that knows the account.

GLOBAL PAYMENTS

Accept everywhere. Settle where it makes sense.

Cross-border acquiring, currency conversion, and settlement routes assessed around your customer markets.

USD 2,410.00→ FX 0.9215€2,220.82US-01 → EU-03SETTLED T+1

INTERNATIONAL REQUIREMENTS ARE ASSESSED PER APPLICATION, INCLUDING MARKETS, CURRENCIES, AND ACQUIRING AVAILABILITY.

WHO WE SUPPORT

Designed for businesses that need more from payments.

IND / 01
RENEWAL BILLED

DTC & subscription commerce

Support for brands with recurring revenue, high-growth acquisition, continuity models, and complex checkout requirements.

IND / 02
PAYOUTS AGGREGATED

Creator & digital platforms

Flexible infrastructure for platforms, memberships, digital products, and creator-led businesses.

IND / 03
UNDERWRITING

Regulated wellness & specialist products

A considered approach for eligible businesses in categories that require deeper underwriting and greater payment expertise.

IND / 04
USDEUR

High-ticket & cross-border commerce

Payment infrastructure for larger order values, international customers, and more demanding operational requirements.

ALL INDUSTRIES ARE SUBJECT TO ELIGIBILITY, JURISDICTION, COMPLIANCE, AND UNDERWRITING REVIEW.

FROM CONVERSATION TO LIVE PROCESSING

A considered path to going live.

We are selective by design. Working only with businesses we can support properly means deeper onboarding and a stronger long-term setup.

01
START THE CONVERSATION

Tell us about your business, products, markets, transaction profile, and current payment setup.

02
WE ASSESS THE FIT

Our team reviews your requirements and determines the most appropriate acquiring and infrastructure path.

03
BUILD YOUR SETUP

We configure the payment operation around your business, from processing and routing to reporting and risk workflows.

04
OPTIMISE AS YOU SCALE

Payments are monitored, refined, and supported as your business grows, with a team that already knows your setup.

WHAT MERCHANTS SAY

Not a generic gateway. A payments partner.

PLACEHOLDER REVIEW

We stopped translating our business model to a support queue. Vertlo understood the operating reality on the first call, and the setup reflects it.

Customer name to follow · Founder
DTC & SUBSCRIPTION BRAND · US
REVIEW 1 / 3

“Approval performance was the reason we looked. Settlement clarity is the reason we stayed. Finance closes the month without chasing anyone.”

Finance lead
CROSS-BORDER RETAIL · UK
PLACEHOLDER

“When our old processor opened a review, everything stopped for three weeks. With a multi-route setup, that risk simply is not structural anymore.”

COO
CREATOR PLATFORM · US
PLACEHOLDER

“Rebills used to fail silently. Now retries follow an issuer-aware schedule and we can see recovery working in the dashboard.”

Head of Payments
REGULATED WELLNESS · EU
PLACEHOLDER

ILLUSTRATIVE PLACEHOLDER QUOTES. VERIFIED CUSTOMER REVIEWS WILL REPLACE THESE BEFORE LAUNCH.

PAYMENTROUTED
START THE CONVERSATION

Ready for a payment setup that can keep up?

If standard processing is holding your business back, speak with our team about a more resilient way to accept payments.

Book a call

WE REVIEW EVERY BUSINESS INDIVIDUALLY. APPROVAL IS SUBJECT TO UNDERWRITING, COMPLIANCE, AND ELIGIBILITY REQUIREMENTS.

RESOURCES

Questions, answered plainly.

Who does Vertlo work with?+

We work with established and emerging businesses operating in complex e-commerce, subscriptions, creator-led digital commerce, eligible specialist categories, and other payment-intensive models. Every application is assessed individually.

Do you work with high-risk businesses?+

We support eligible businesses that may require more specialist underwriting or payment infrastructure than standard providers offer. We do not offer blanket approval, and every business is subject to compliance and underwriting review.

How quickly can we get started?+

Timelines depend on your business model, documentation, markets, and processing requirements. Once we understand your setup, we will outline the most realistic path to launch.

Can you support subscriptions and recurring billing?+

Yes. We can support eligible recurring-revenue businesses with payment infrastructure designed around subscription billing, rebills, payment recovery, and operational visibility.

Do you support international payments?+

We can assess international requirements as part of your application, including customer markets, settlement needs, currencies, and acquiring availability.

What do you need to review an application?+

We typically need information about your business, website, products or services, ownership, target markets, expected volume, transaction profile, processing history where available, and fulfilment or customer-service processes.