Features

All your payment needs are covered

spaydy’s payments platform lets you accept credit cards, debit cards, and popular payment methods around the world—all with a single integration. Get access to advanced payments features like 3D Secure 2 authentication, card updates, automated retries, and more.

Payment Methods

Create the UX that best suits your needs.
All options work across all devices, stacks, and browsers

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Hosted Payments Page

Optimized for conversion and easy to integrate due to the low code required, use it to accept online payments efficiently and securely

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Embeddable UI components

Our components allow you to take advantage of spaydy’s UI/UX, collection and analytics experience, so you can spend less time on payments and more time on your product

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API-only

Build a fully API-based integration or only use our javascript library to tokenize your customers’ payment details—all while designing your custom checkout UI

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Payment Links

Create a full payment page in just a few clicks and share the link with your customers—no code required

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In-person payments

Build your own in-person checkout to accept payments in the physical world. Our terminal helps you unify your online and offline channels with flexible developer tools, pre-certified card readers, and cloud-based hardware management

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Invoicing

It’s a global invoicing platform built to save you time and get you paid faster. Create and send a spaydy-hosted invoice in minutes—no code required. Or, use the Invoicing API and advanced features to automate how you collect and reconcile payments

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Third-party integrations

Jumpstart your integration with prebuilt ecommerce plug-ins that allow you to efficiently integrate payments into your store with a simple and easy setup

Payment Means

Give your customers their preferred payment options through a unified integration

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Cards

Accept all major debit and credit cards from customers in every country

Mastercard
Visa
Maestro
American Express
Carte Bancaire
Diners Club
Discover
JCB
UnionPay
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Wallets

Enable your customers to check out faster with wallet payment methods

Alipay
Apple Pay
Google Pay
Microsoft Pay
Click to Pay
WeChat Pay
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Bank debits

Minimize involuntary churn by accepting direct debits for subscription or recurring charges

ACH Direct Debit
Bacs Direct Debit
BECS Direct Debit
Multibanco
Pre-authorized debits
SEPA Direct Debit
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Bank Transfers

For large transactions, spaydy makes it possible to accept credit transfers or wires with automated reconciliation

ACH Credit Transfer
Checks
Wires
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Bank redirects

By authorizing payment using the customer’s online banking credentials, bank redirects are the preferred method of paying online in many countries

Bancontact
EPS
FPX
Giropay
iDEAL
Przelewy24
Sofort
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Buy now, pay later

Offer flexible payment options that increase your customers’ purchasing power

Klarna
Afterpay / Clearpay
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Cash-based vouchers

Allow customers to pay bills and online purchases in-store with cash

OXXO
Boleto Bancário
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Currencies

Process charges and display prices in a customer’s preferred currency to improve sales and help customers avoid conversion costs

spaydy supports processing payments in 135+ currencies, allowing you to charge customers in their native currency while receiving funds in yours.

This is especially helpful if you have a global presence, as charging in a customer’s native currency can increase sales.

Fraud and Risk

Manage risk and be more confident about fighting fraud with our fully integrated solution

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Authentication

Where customer authentication is required by rules like SCA, our platform applies all relevant exemptions before requiring users to provide additional information

SCA exemption engine
3D Secure 2
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Authorization

Our entire platform is designed to minimize declines and maximize revenue, from tools that update stored card details and identify the best time to retry failed recurring payments, to machine learning models that can recapture declines in real-time

Industry-leading reliability
Smart MCC
Dynamic auths
Card account updater
Amex enhanced authorizations
Auto ISO-optimization
Adaptive Acceptance retries
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Fraud

Identify and prevent fraud with a machine learning fraud system that’s fully integrated with your payments

Machine-learning based fraud prevention
Transparent risk scores
Horizontally-scaled ML model training infrastructure
Custom rules engine
Trust and block lists support
Optimized manual review flows
Real-time fraud insights
TC40s and SAFE fraud reporting
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Dispute handling

End-to-end automated process that works directly with the card networks

Programmatic dispute management
Evidence submission aid
Direct integration to Visa Claims Resolution (VCR) + MasterCom

Reporting and Insights

Automatically access financial and accounting reports out of the box

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Financial reporting

Create financial reports directly with spaydy data.
Simplify how you reconcile transactions.

Unified financial reporting
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Consolidated reports

We’ve already built the most useful reports specifically with financial reporting purposes in mind and generate them automatically for your account

Built-in reporting
Monthly report
Transfer report
Transaction-level balance breakdown
Custom reporting via the API
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Revenue Recognition

Automate revenue reporting to simplify accrual accounting and close your books quickly and accurately

Debits and credits journal entries
Balance sheets
Income statements
Revenue waterfall charts
Accounts receivable aging reports
Helps you stay compliant with ASC 606 and IFRS 15
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Accounting support

Automatically sync your spaydy data with your accounting ledger.

Integrations for tax reporting are also available.

Netsuite
Quickbooks
CSV file

spaydy Dashboard

View and manage all your spaydy data, customers, plans, balances and more

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Access to everything

You can initiate refunds, review possibly fraudulent charges, and manage disputes. You’ll also have access to everything from bank transfers to HTTP request logs at your fingertips

Type-ahead searchability
Customizable charts and analytics
Data exportability
Real-time reporting and data
Streamlined workflows
Test mode
Custom metadata fields