Stripe
Cards, Payment Intents, Connect-ready patterns, Radar signals, and capture rules aligned to fulfillment.
Zupitrix
Checkout · wallets · settlement
Payment rails that clear.
Checkout that converts.
Zupitrix wires Stripe, Razorpay, PayPal, and Google Pay into one checkout orchestration layer — with 3DS2, signed webhooks, fraud step-up, and settlement mapping your finance team can reconcile without spreadsheet archaeology.
- Stripe & Razorpay
- Wallets & BNPL
- 3DS & webhooks
- Settlement-ready
5+Primary rails per checkout
3DS2SCA-ready challenge flows
99.9%Webhook delivery targets
T+1Ledger-aligned settlement design
Transaction rails
One checkout. Multiple processors. No brittle forks.
We orchestrate Stripe, Razorpay, PayPal, and wallets behind a single order lifecycle — so merchandising stays simple while finance still sees every capture, fee, and refund mapped to the same ledger events.
Razorpay
UPI, cards, netbanking, and India-first settlement workflows with clear fee and payout mapping.
PayPal
Express checkout, vaulted wallets, and buyer-protection flows that stay tied to order lifecycle.
Google Pay
Android and web wallet buttons wired to your processor of record without a second cart model.
BNPL
Installment offers at checkout with eligibility gates so declined BNPL never fractures order state.
Stripe
Cards, Payment Intents, Connect-ready patterns, Radar signals, and capture rules aligned to fulfillment.
Razorpay
UPI, cards, netbanking, and India-first settlement workflows with clear fee and payout mapping.
PayPal
Express checkout, vaulted wallets, and buyer-protection flows that stay tied to order lifecycle.
Google Pay
Android and web wallet buttons wired to your processor of record without a second cart model.
BNPL
Installment offers at checkout with eligibility gates so declined BNPL never fractures order state.
Wallets & BNPL
Google Pay, wallets, and installments — without cart chaos
Wallet sheets and BNPL offers sit on the same intent model as cards. Declines and eligibility gaps route buyers to the next viable method instead of a dead end — while order state, tax, and inventory holds stay consistent.
Wallet-first UX
Google Pay and other supported wallets above the fold when devices allow them — card form as fallback, not the default. Sheet timing and decline recovery stay on the same intent.
BNPL orchestration
Klarna, Affirm, or regional BNPL behind eligibility checks so declined offers route to the next viable method instead of a dead cart.
Saved methods
Vaulted cards and wallets with customer-owned tokens — never raw PANs in your database, with clear revoke and re-auth paths.
Failure recovery
Soft declines, network timeouts, and 3DS abandons map to clear retry and alternate-rail paths buyers can finish in one session.
Fraud & risk
Shield the rail without punishing good buyers
Risk signals step up authentication only when needed. Chargeback evidence and dispute webhooks stay attached to the same order record your support team already uses — so representment starts with facts, not inbox archaeology.
- Signal fusion
AVS, CVV, device, velocity, and processor risk scores land in one decision record your ops team can audit.
- Step-up only when needed
3DS challenge for high-risk paths; frictionless for trusted returning buyers — tuned against your chargeback history.
- Dispute readiness
Evidence packs, webhook-driven chargeback status, and ops alerts before representment deadlines slip.
Reconciliation
Authorizations, captures, and payouts that match the books
Idempotent webhooks, settlement file ingest, and fee allocation so finance closes the day against Stripe, Razorpay, or PayPal without spreadsheet archaeology — every refund and dispute still lands on the same order line.
EventStatusAmountRef
authorizecleared$128.40
pi_3Nk…capturesettled$128.40
ch_1Qm…refundposted−$42.00
re_2Lp…payoutbatched$4,812.00
po_9Xt…
Cross-border
Present local. Settle clean. Expand without FX surprises.
Multi-currency catalogs with clear presentment rules, SCA where required, and settlement currency choices your treasury team can defend — including tax, receipt, and FX disclosure per market.
USD
North America
Presentment and settlement aligned for US/CA catalogs with clear tax and receipt rules.
EUR
Eurozone
SCA-ready checkout with local card brands, wallets, and liability-shift documentation.
INR
India
UPI-first rails via Razorpay with T+ settlement mapping and fee allocation.
GBP
United Kingdom
Open Banking–aware flows and clear FX disclosure at presentment.
AED
Middle East
Regional acquirers and multi-currency catalog rules treasury can defend.
SGD
Southeast Asia
Cross-border presentment with local method fallbacks when wallets are unavailable.
Checkout orchestration
From intent to settlement — a timeline ops can trust
01
Intent created
Cart locks amount, currency, and tax; PaymentIntent (or equivalent) opens with idempotency keys.
02
Auth & 3DS
Wallet or card auth runs; SCA challenge only when risk or regulation requires it.
03
Webhook confirm
Signed events update order state idempotently — never trust the browser alone.
04
Capture & settle
Capture, partial capture, or auth-void rules match your fulfillment and hold models.
05
Ledger sync
Settlement batches, fees, and refunds post to finance systems for day-close reconciliation.
Ops dashboard
Live payment health for support and finance
Authorization rates, webhook lag, dispute queues, and settlement batches in one view — so your team reacts before buyers notice. Alert thresholds map to the same event store that powers reconciliation.
Stack & tooling
Technologies Zupitrix uses for payments
Processor APIs, wallet rails, and the orchestration stack that keeps intents, webhooks, and settlement events consistent across markets.
Payments
StripePayment Intents, Radar signals, and Connect-ready patterns for cards and wallets.
Payments
RazorpayUPI, cards, netbanking, and India-first settlement workflows behind one intent model.
Payments
PayPal
Express checkout, vaulted wallets, and buyer-protection flows wired to order state.
Wallets
Google Pay
Android and web wallet buttons mapped to your processor of record.
Orchestration
Node.js
Checkout orchestration services that unify rails, 3DS, and capture rules.
Idempotency
Redis
Idempotency keys, webhook queues, and replay-safe event processing.
Ledger
PostgreSQL
Durable payment events, settlement batches, and finance-ready audit trails.
Zupitrix role
Checkout orchestration your ops and finance both trust
Zupitrix owns checkout orchestration, 3DS challenge paths, webhook pipelines, fraud tuning, and settlement mapping — so authorizations clear, disputes stay attached to orders, and day-close matches the processor reports.
- Single intent model across Stripe, Razorpay, PayPal, and wallets
- 3DS2 / SCA with frictionless paths and clear decline recovery
- Signed, idempotent webhook pipelines with durable event storage
- Fraud step-up, dispute evidence, and ledger-aligned settlement
FAQ
Questions about payment integration
Keep exploring
Related e-commerce services
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