Payments NGnair

Payments Infrastructure & Orchestration

One integration. Every rail. No single point of failure.

All five solutions
Payments orchestrationRouting
Merchant surfaces connect through the NGnair orchestration layer to two card processors, wallet processors carrying alternative payment methods, and bank rails — with all activity landing in one unified transaction ledger.Merchant surfacesOperating layerProviders & railsPOS & devicesOnline & hostedMobile & Tap to PayInvoicing & linksAPIs & SDKsRoutingprovider configurationTokenizationnetwork tokens, not PANsFailoverautomaticUnified transaction ledgerevery rail, one recordReportingResidualsReconciliationCard processorprimaryCard processorfailoverWallet processorswallet · crypto · BNPLRTP instant bankrailOpen bankingrail
One integration in front of every provider. Card processing carries an automatic failover, wallet processors add alternative payment methods, and all activity — card, alternative, and bank — resolves into a single transaction ledger. The operating layer works from tokens: credentials are tokenized before they reach it, and raw card data stays in the PCI-controlled infrastructure on either side.

A single processor or gateway sets the ceiling on what you can sell. Adding a rail or a provider means another integration, another reporting silo, and another dependency you don't control. And when your processor goes down, so do your merchants.

NGnair is an orchestration layer between applications and providers. Card processing runs with a second card processor behind it, taking over automatically when the primary is unavailable. Alongside it, wallet processors deliver alternative payment methods, and RTP and open banking cover bank rails — all through the same integration, all landing in the same ledger. The layer itself runs on tokens rather than card numbers: credentials are tokenized before they reach it, network tokens stay with the card networks, and raw card data never enters the operating environment. Routing on tokens is also what keeps providers interchangeable, because nothing about a stored credential ties it to one processor's stack.

Capabilities

  • Two card processors, with the second as automatic failover
  • Wallet processors for alternative payment methods
  • Wallet payments, crypto, and BNPL at checkout
  • RTP instant bank payments and open banking
  • Network tokenization, with network tokens held at the card networks
  • Tokenized routing across processors — no raw card data in the operating layer
  • Per-merchant provider configuration
  • Developer-grade APIs, SDKs, and hosted payments
  • Unified transaction visibility across every rail

Business outcomes

  • Negotiate from a position of processor flexibility
  • Keep merchants processing through provider outages
  • Turn on alternative payment methods per MID, without another integration
  • See card, alternative method, and bank activity in one ledger
  • Move between processors without re-collecting stored credentials
  • Expand rails without renegotiating every integration

Infrastructure flexibility — without handing over the merchant relationship to get it.

The organizations that usually start here

Enterprise Payment Organizations

Modernize without a replatform.

See this profile

Integrated Payments & ISVs

Real merchant accounts, embedded in your software.

See this profile

Where this fits in the wider platform

Every rail connected here writes into the same transaction ledger that revenue, reporting, and merchant commerce read from — so adding a provider never adds a reporting silo.

Why one operating environment beats four point solutions

Map your processor dependencies.

Tell us which providers you run today and what you've been unable to sell because of them. We'll show you what the same portfolio looks like with routing you control.

Talk with our team