Smart Checkout:
Adaptive Hosted Payment Page
One payment form that aggregates methods from all your PSPs. Customers see only options available in their region — cards, APMs, or crypto — fully branded as yours.
Smart Checkout:
One checkout form. Every payment method that matters.
Powered by Payneteasy's PCI DSS Level 1 certified orchestration engine
200+ Countries
Supported
Geo-Smart
Method Display
Full White-Label
Branding
PSP-Agnostic
Orchestration
99.96%
Uptime
How Geo-Smart Payment Routing Works
Customer opens checkout
When a buyer reaches your payment page, Smart Checkout detects their location and device attributes in real time.
Routing engine filters methods
The system cross-references the customer's geo with your active payment routing configuration — only methods available in that region, currency, and channel are selected.
Adaptive form renders
The checkout form displays a curated set of payment options: international cards, local APMs (PIX, iDEAL, UPI, M-Pesa), digital wallets, crypto, or bank transfers — whatever is relevant for that specific customer.
Why PSP-agnostic checkout changes everything
Unlike single-provider checkouts (Stripe, Adyen, Checkout.com), Smart Checkout aggregates methods from ALL your connected payment service providers into one unified form.
Single-Provider Checkout
Smart Checkout
Traditional Single-Provider Checkout
You're locked into one PSP's payment method catalog.
- Limited to methods the PSP supports natively
- Separate integration for each additional provider
- Multiple checkout forms for different regions
- No cross-provider failover or cascading
Payneteasy Smart Checkout
One form aggregates methods from every PSP you work with.
- 1000+ methods from all connected providers, unified
- Single API integration covers all current and future PSPs
- One adaptive form for every market worldwide
- Automatic failover: if PSP A declines, route to PSP B
Local Payment Methods
for Global Reach
Smart Checkout dynamically adapts to each market. When a customer from the Netherlands opens your checkout, they see iDEAL. A customer in India sees UPI. A customer in Brazil sees PIX. All without you building separate integrations for each region.
Swipe to see full map
Every payment type in one form
Cards
Alternative Payment Methods
Crypto
Bank Transfers
Cards
- Visa, Mastercard, AMEX, UnionPay, JCB, Discover, Elo, and local card schemes
- Smart routing across multiple acquirers for highest acceptance rates
- Built-in 3D Secure authentication with frictionless flow support
- Tokenization for recurring payments and one-click checkout
Alternative Payment Methods
The checkout form automatically shows APMs relevant to each customer's location:
- Europe: SEPA, iDEAL, Bancontact, Giropay, Przelewy24, MB Way, Trustly
- Latin America: PIX, Boleto, OXXO, PSE, Webpay, Mercado Pago
- Asia-Pacific: UPI, GCash, GrabPay, LINE Pay, KakaoPay, Alipay
- Africa: M-Pesa, Airtel Money, MTN Mobile Money, Flutterwave
- Digital Wallets: Apple Pay, Google Pay, Samsung Pay — where supported
Cryptocurrency
- Accept Bitcoin, Ethereum, USDT, USDC, and other major cryptocurrencies
- Automatic fiat conversion with configurable exchange rate policies
- QR code payment flow optimized for mobile wallets
Bank Transfers & Wire Payments
- Automated invoice generation for wire transfers
- Real-time payment status tracking and reconciliation
- Support for SWIFT, SEPA Credit Transfer, ACH, and local schemes
Fully Branded Checkout Experience
Your logo, your colors, your domain. Smart Checkout is a white-label payment solution — customers interact with your brand, not ours. Customize every visual element: layout, fonts, button styles, and form fields. Deploy as embedded (no iframes, no redirects) or as a hosted page on your subdomain.
See it in action
Built for Conversion
Every element of Smart Checkout is optimized to maximize payment completion. Intelligent method ordering shows the most popular option first. Remembered payment preferences speed up repeat purchases. Mobile-first responsive design ensures a seamless experience across all devices.
Combined with payment orchestration, failed transactions are automatically retried through alternative providers — increasing your overall acceptance rate without any customer friction.
Enterprise-Grade Security
Smart Checkout is built on Payneteasy's PCI DSS Level 1 certified infrastructure. Sensitive payment data never touches your servers — we handle tokenization, encryption, and secure transmission. Combined with 150+ anti-fraud filters and real-time risk scoring, your business and your customers are protected at every step.
- PCI DSS Level 1 compliance — no SAQ burden for merchants
- Built-in 3D Secure 2.0 with frictionless authentication
- Real-time fraud detection with behavioral analysis
- Ethoca & Verifi integration for chargeback prevention
Simple integration, unlimited scale
Connect once — access every payment method, every PSP, every market
Single API
Integration
Add new PSPs
without code changes
New payment methods
available instantly
CMS plugins
for popular platforms
Sandbox environment
for testing
Dedicated support
during integration
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Only one integration to consolidate all your payment providers to a unified management system.
Smart Checkout
Adaptive hosted payment page with geo-smart routing. One form aggregates all payment methods from your connected PSPs — cards, APMs, crypto.