Every payment rail. One API.
Send, receive, and reconcile payments across SEPA, Faster Payments, SWIFT, ACH, and more. We abstract every rail's complexity - retries, error codes, scheme-specific formatting - so your team writes clean business logic, not payment protocol parsers.
<40ms
Average API response time
99.997%
Uptime SLA
8
Payment rails supported
$4.2B+
Processed annually
8 rails, maintained by us.
We maintain the integrations, absorb every scheme update, and handle edge cases - failed transactions, partial settlements, scheme-specific error codes. You call one endpoint.
What's included
- 01Unified payment object across all rails
- 02Automatic retry and fallback routing
- 03Real-time balance updates on transaction
- 04FX conversion at point of payment
- 05Bulk payment scheduling and batching
- 06Payment status webhooks with rich metadata
Supported payment rails
One request. Any rail. Any amount.
The same API call works for Faster Payments, SEPA, SWIFT, and ACH. You specify the rail - or let us auto-route to the fastest and cheapest option.
Amount & currency
Any amount, any currency
Source account
Your platform or sub-account
Destination
Sort code, IBAN, or account ID
Payment rail
Auto-routed or specified
Reference
Your internal identifier
Idempotency
Built-in duplicate prevention
Common questions about our Payments Engine
What payment rails does Techvica support?
Techvica supports 8 payment rails: SEPA Credit Transfer, SEPA Direct Debit, Faster Payments, CHAPS, SWIFT, ACH, BACS, and SPEI. All rails are accessible through a single unified API endpoint.
How fast are payments processed through the API?
Our API responds in under 40ms on average. Payment settlement speed depends on the rail: Faster Payments and SPEI settle instantly, SEPA same-day, and SWIFT typically 1-5 business days.
How does Techvica handle failed or rejected payments?
Failed payments trigger automatic retry with configurable fallback routing. Every failure fires a webhook with the scheme-specific error code, and you can configure alternative rails for automatic re-routing.
Can I process cross-border payments with FX conversion?
Yes. FX conversion happens automatically at point of payment using real-time interbank rates. You can also lock rates for up to 48 hours via our Multi-Currency Accounts feature.
Does Techvica support bulk and scheduled payments?
Yes. You can batch up to 10,000 payments per API call and schedule them for future execution. Each payment in the batch fires its own webhook for granular tracking.
What uptime and reliability guarantees do you offer?
We maintain a 99.997% uptime SLA backed by contractual commitments. Our infrastructure runs across multiple availability zones with automatic failover and zero-downtime deployments.
Ready to move money at scale?
Our solutions engineers will walk you through a live demo with real payment rails and your specific use case.
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