Intelligent multi-MID routing, real-time risk scoring, and localized emerging rails designed for high-scale digital platforms across 180+ global markets.
Eliminate processor dependency, reduce chargeback fines, and automate cross-border settlement with full architectural autonomy.
Distribute turnover across dozens of merchant accounts dynamically. Balance volume tiers, stay beneath processing ceilings, and safeguard processing longevity.
When an issuer declines a transaction, Crypex instantly routes to secondary channels in under 40ms without shopper disruption.
Native Ethoca & Verifi CDRN/RDR allow automated refunds before formal disputes damage your Visa/Mastercard monitoring ratios.
Daily T+0 and T+1 liquidity schedules in USD, EUR, GBP, or stablecoins (USDT ERC20/TRC20, USDC). Full transparency over reserves and automated release dates.
Activate localized card acquirers, instant bank transfers, and native APMs in over 40 high-demand geographies.
Native Pix instant QR & key payments with 99.4% conversion rate. Domestic processing with local Elo, Hipercard, Visa and Mastercard for high-velocity merchants with zero cross-border FX markup.
Everything you need to orchestrate multi-MID flows, tokenize card payloads, simulate cascading fallbacks, and verify HMAC webhooks.
All REST API calls to the Crypex Orchestration Engine require an HTTP Bearer header signed with your production or sandbox API key. Sensitive card data is tokenized using client-side edge encryption before hitting server endpoints.
curl -X POST https://api.crypex-it.org/v2/authenticate \
-H "Authorization: Bearer sk_live_890dfa8723b7e41" \
-H "Content-Type: application/json" \
-d '{
"merchant_id": "MID_GLOBAL_8842",
"environment": "production"
}'Initiates an orchestrated payment lifecycle. The engine immediately checks card velocity, issuer BIN telemetry, and automatically assigns the transaction to the optimal acquirer.
import { CrypexClient } from '@crypex/sdk';
const crypex = new CrypexClient({ apiKey: process.env.CRYPEX_KEY });
const payment = await crypex.payments.createIntent({
amount: 2500.00,
currency: 'USD',
customer: {
email: 'client@domain.com',
ip_address: '201.253.81.158',
country_iso: 'BR'
},
routing_profile: 'HIGH_CONVERSION_CASCADING',
dispute_shield: true,
metadata: { order_id: 'ORD_884291' }
});
console.log(payment.status); // "acquired" | "cascaded"Specify volume distribution thresholds, max chargeback tolerance ratios, and secondary fallback banks. If Acquirer A produces soft decline 05, the request cascades automatically into Acquirer B in under 38ms.
import crypex
client = crypex.Client(api_key="sk_live_9942")
cascade_policy = client.routing.create_policy(
name="LATAM_HIGH_APPROVAL",
priority_order=["ACQUIRER_ELO_DOMESTIC", "FALLBACK_SECONDARY_EU"],
fallback_on_codes=["05", "51", "91"],
max_chargeback_threshold=0.0065, # 0.65% ceiling
auto_ethoca_refund=True
)Generate dynamic QR codes and copy-paste bank payment keys for instant emerging market transactions. Settlements clear into your account in real-time.
{
"payment_id": "pi_pix_991823741",
"method": "pix_instant_qr",
"amount": 450.00,
"currency": "BRL",
"qr_code_base64": "data:image/png;base64,iVBORw0KGgo...",
"pix_emv_copy_paste": "00020126580014br.gov.bcb.pix...",
"expires_in_seconds": 900,
"settlement_currency": "USDT"
}Crypex dispatches signed webhooks for key transaction lifecycle events. Every payload includes a `Crypex-Signature` header computed using your secret webhook signing key.
app.post('/crypex/webhook', (req, res) => {
const sig = req.headers['crypex-signature'];
const event = crypex.webhooks.verifySignature(req.rawBody, sig, WEBHOOK_SECRET);
switch (event.type) {
case 'payment.acquired':
handlePaymentSuccess(event.data);
break;
case 'dispute.interception.refunded':
console.log('Auto Ethoca RDR refund issued, zero chargeback fee');
break;
}
res.status(200).send({ received: true });
});Programmatically monitor rolling reserve release dates, request on-demand T+0 crypto liquidity transfers (USDT TRC20/ERC20, USDC), or initiate automated SEPA/SWIFT payouts.
{
"ledger_account": "ACC_CRYPEX_8820",
"available_balance": 84250.00,
"currency": "USD",
"rolling_reserve_held": 8425.00,
"next_reserve_release": "2026-10-14T00:00:00Z",
"auto_payout_target": {
"type": "crypto_trc20",
"wallet": "TY78aC...Bw981",
"frequency": "T+0_DAILY_UTC"
}
}Step through each execution milestone of our high-concurrency payment engine.
Secure client payment intent initiated via REST API or embeddable JS SDK. Sensitive PAN and CVV data is instantly tokenized at the browser edge before touching any external servers. Zero unencrypted cardholder data touches your application layer.
Connect with our technical integration architects. We configure bespoke multi-MID cascades and deploy localized emerging rails within 48 hours.