01
Logic in declarative formats
What happens to a payment is described as data: short rules, each answering one question, read by the engine.
Read the articleRiver · demo stand
A payments flow enginefor companies with acquiring agreements of their own
Configurable rules
Routing, fees, screening and capture are rules kept as data. AI drafts a new rule, a person accepts it, and it runs beside the old one.
Data views for every role
The same record read as tables for finance, operations and audit: cost by bank, reconciliation, exceptions.
A full audit trail
Every action inside the processing of a payment is recorded with its cause and never rewritten.
AI · sets up the rules
01 · Order
order accepted, invoice issued
02 · Screening
risk scored, rules passed
03 · Route and fee
Acquiring 1, on-us, fee priced
04 · Capture
captured after picking
05 · Shares
shares allocated, ledger balanced
06 · Bank settlement
the bank’s report reconciled
The trail of one payment · an example of the demo stand
Audited
every decision with its cause
Analysed
cost, reconciliation, exceptions
Extended
a new rule beside, not instead
AI reads and proposes · a person decides
§ 01
Eight principles of the platform
How the platform is organised, in eight principles. Each answers one question and leads to its article.
- 02
Rules of operation
What must never happen, what each unit may do and how risk is handled. Every payment records the rule version that decided it.
Read the article - 03
Routing and the cost of acceptance
Each online card payment goes to the acquiring chosen by approval rate and expected fee, within limits the company sets.
Read the article - 04
Anti-fraud rules and KYC
Screening is a stage of every payment: a score with its reasons, the unit’s rules, a hold for a person, alerts and onboarding checks.
Read the article - 05
Table views for every role
Each role sees the same payments in its own tables, and every figure traces back to its record.
Read the article - 06
A flexible portal for access to data
A person is given a role at one unit of the company’s tree and sees that unit with everything under it.
Read the article - 07
Everything in the processing logic can be configured
A new bank, rule or instrument is added beside what works, checked first, and accepted by a person.
Read the article - 08
An auditable trail for every payment
Every step of a payment is recorded with its cause, and the record is never rewritten.
Read the article
§ 02
The platform in detail
The parts of the platform in the order a payment moves, from the order to the bank’s settlement, with the structure and the agents around them.
- 01
The engine
One record of every payment and rules stored as data: how the record is kept and read, and how a change is checked before it is used.
Read
- 02
The life of a payment
Five records hold a payment: the order, the invoice, the attempt, the payment and the settlement.
Read
- 03
Orders and invoices
Orders from the order system, invoices adjusted after picking, corporate invoices on terms with reminders.
Read
- 04
Payment instruments
Cards, wallets, pay by bank, QR and transfers, instalments and points: different first steps, then one path.
Read
- 05
Distribution of a payment
The shares of each payment, set in advance and always adding up to the captured amount.
Read
- 06
Settlement reconciliation
Sales, the acquirer’s report and the bank credit, compared for every bank, unit and day.
Read
- 07
Structure and policies
The company as a tree of units: policies apply downwards, flows are visible upwards.
Read
- 08
Agents
Agents read the views and propose with evidence; people decide, and every decision is recorded.
Read
§ 03
Try it as a finance team
Each role sees its part of the same trail, within the units it is granted. Choose a role and work in it: every action passes the same checks as in a deployment and is recorded.
Yarmarok Retail Group
Payments manager: routing and costs
Routing strategy and threshold, on-us share, effective rates, the terminal banks of the regions.
Open the cabinet
Yarmarok Retail Group
Finance controller: reconciliation
Settlement batches reconciled three ways, the differences and the claims.
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Yarmarok Retail Group
Risk and fraud
Screening rules, held payments and alerts.
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West
Read-only view
One region, read only: card turnover and costs, settlements and payments.
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