Skip to content
VEYRA — Payments without borders
VEYRA · Payments without borders

Payments without borders

Money that moves without borders,books that always balance.

VEYRA brings online payments, payouts, subscriptions and marketplaces together on one API — and writes every movement into a double-entry ledger, so what you see in the dashboard is exactly what reaches your bank.

Open the sandboxRead the quickstart

Pre-launch. The sandbox is open and free; live payments will run through authorised financial partners.

The VEYRA mark — a blue ribbon folding into a silver one — with currencies connected by lines of light
VEYRA ledger · Order #1042Sandbox preview
  1. Customer€120.00
  2. Hosted checkout3-D Secure ✓
  3. Authorised providerauth · capture
  4. VEYRA ledgerDebit = Credit
  5. Your bank accountIT60 •••• 3456

Debit

Processing fee
€1.93
Payout
€118.07

Credit

Order #1042
€120.00
€120.00 = €120.00Balanced
Every movement is written twice — once as a debit, once as a credit — so the books always balance.

00Where we are

Honest about our stage.

We would rather tell you exactly what works today than borrow numbers we have not earned.

  1. ●Today

    A complete sandbox

    Create an account, take simulated payments, verify test bank accounts, receive signed webhooks and watch payouts reconcile — end to end, with no real money.

  2. ●Next

    Partner integration

    Live payments are being integrated with authorised payment institutions.

  3. ●Then

    Live, after review

    Live processing opens only after partner integration, legal authorisation and an independent security review. Not a day before.

01Chart of accounts

One platform, every way money moves.

Each product is a ledger account of its own, and they all reconcile into one balance.

02The ledger underneath

Debits on one side, credits on the other. Always equal.

Most payment dashboards show you totals. VEYRA shows you the entries behind them. Every capture, fee, refund, reserve and payout is recorded twice, in integer minor units, so a balance can always be explained line by line.

  • Amounts stored as integers in minor units with an ISO currency — never as floating-point numbers.
  • Entries are append-only: a correction is a new entry, never an edit.
  • Each balance is split into pending, available, reserved and in transit.
  • Exports your accountant can read without a translator.

Merchant balance · EUR

Debit

  • Processing fee€1.93
  • Refund (partial)€20.00
  • Payout to bank€98.07

Credit

  • Payment captured€120.00

Totals€120.00

Totals€120.00

Closing balance Debits = credits

Smart SetupSandbox preview
Smart SetupStep 2 of 3

How do you sell?

Online shop on WooCommerce

Where are your customers?

Italy, France, Romania

Which currency do you want to be paid in?

EURRONBoth

Suggested: Hosted Checkout + webhooks. Bank account in EUR, daily payouts.

  • Sandbox configured
  • First product created
  • Connect your site
  • Add your bank account

03VEYRA Smart Setup

Three questions, and your sandbox is ready.

Smart Setup is a guided assistant inside the dashboard. It asks how you sell, where your customers are and which currency you want to receive, then configures the sandbox for you.

  • Creates your first product and a working payment link.
  • Explains, in plain language, how to connect your website and your bank account.
  • Proposes the right integration: link, hosted checkout, plugin or API.
  • Predictable by design: a transparent decision tree, not a black box.
Start with Smart Setup

04VEYRA Smart Routing

The right provider for each payment — and never a double charge.

Smart Routing evaluates every payment against the providers available to you and records why it chose one. When an outcome is ambiguous, it does not retry blindly: it asks the provider first.

How Smart Routing decides
smart-routing · decisionSandbox preview

Payment

€86.40 · card · IT

  • Country
  • Currency
  • Method
  • Cost
  • Health
  • Provider AHealthy · lowest cost
  • Provider BHealthy · higher cost
  • Provider CDegraded · skipped

Decision

Why Provider A: supports Italian cards in EUR, health 99.2% over the last 15 min, lowest expected cost.

05VEYRA Bank & Payout Hub

Know where your money is, and when it will arrive.

Pending, available, reserved, in transit, paid. Every amount carries its state, and every payout carries a timeline you can show your accountant.

Balance · EURSandbox preview

Total balance

€7,086.70

Pending
€1,284.50
Captured, not yet settled by the provider
Available
€3,912.20
Settled and ready for the next payout
Reserved
€250.00
Held against refunds and disputes
In transit
€1,640.00
Sent to your bank, not yet confirmed
When will I get my money?Sandbox preview
  1. Mon 09:14Payment captured€120.00 from order #1042 is recorded as pending.
  2. Tue 06:00Settled by providerFunds become available in your balance.
  3. Tue 10:00Payout createdYour daily schedule sends the available balance.
  4. Tue 10:02On its way to your bankSEPA Credit Transfer to IT60 •••• 3456.
  5. Wed 09:30Paid — confirmed by bankReconciled automatically against the ledger.
Explore the Payout Hub

%Pricing by card

Clear rates for every card your customers carry.

Illustrative rates per successful payment, by where and how the card was issued.

See the full pricing structure
  • EEA consumer cards1.40% + €0.25Testable today
  • EEA commercial cards2.10% + €0.25Not in sandbox yet
  • UK cards2.50% + €0.25Testable today
  • International cards2.90% + €0.25Testable today
  • American Express2.90% + €0.25Planned
  • Apple Pay · Google PayApple Pay and Google Pay are charged as the underlying card.
  • Same price for consumer debit and credit cards issued in the EEA.
  • No setup fee. No monthly fee in the sandbox.

Illustrative — not a confirmed commercial offer; final pricing depends on the acquiring partner

06What you can do in the sandbox today

Not a waiting list. A working sandbox.

  1. TEST-001

    Take a test payment

    Create a Payment Intent and pay it on hosted checkout with test card 4242 4242 4242 4242.

  2. TEST-002

    Trigger 3-D Secure

    Use card 4000 0027 6000 3184 to walk through a full authentication challenge.

  3. TEST-003

    Send a payment link

    Create a link in the dashboard and pay it from your phone.

  4. TEST-004

    Verify a bank account

    Add a test IBAN and see verification succeed, fail or ask for review.

  5. TEST-005

    Watch a payout land

    Follow a simulated payout from available balance to “paid — confirmed by bank”.

  6. TEST-006

    Receive signed webhooks

    Point an endpoint at your machine, verify signatures and replay events.

07From sign-up to first payout

Seven steps. Most of them take minutes.

  1. 01

    Create your account

    Email and password, and you are in a sandbox workspace.

  2. 02

    Answer Smart Setup

    Three questions configure products, currency and the integration path.

  3. 03

    Connect your site

    Paste a link, install a plugin when available, or call the API.

  4. 04

    Take a test payment

    Use test cards to try success, decline and 3-D Secure.

  5. 05

    Add your bank account

    Verified by name and IBAN checks before any payout is allowed.

  6. 06

    Business verification

    When live opens, our partners verify your business as the law requires.

  7. 07

    First payout

    Your balance moves to your bank on the schedule you chose, reconciled automatically.

08Built API-first

An API you can reason about.

Predictable resources, idempotent writes, signed webhooks, dated versions and errors that tell you what to do next.

  • Idempotency-Key on every POST — safe to retry, impossible to double charge.
  • Veyra-Signature on every webhook, with replay from the dashboard.
  • Dated API versions: nothing changes under your feet.
  • TypeScript SDK available today; more languages in progress.
Explore the developer platform
curl http://localhost:4610/v1/payment_intents \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: order-1042-attempt-1" \
  -H "Veyra-Version: 2026-10-01" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 12000,
    "currency": "EUR",
    "description": "Order #1042",
    "metadata": { "order_id": "1042" }
  }'

09Architecture principles

Decisions we made before writing the first line.

We never hold your funds
Money moves through authorised partners. VEYRA orchestrates, records and reconciles.
Card data stays out
Card numbers are typed into provider-hosted fields and never reach our servers.
No ambiguous retries
If we cannot know whether a charge happened, we ask before trying again.
Integers, not floats
Every amount is an integer in minor units. Rounding errors have nowhere to hide.
Everything is an entry
An append-only ledger and an audit trail for every sensitive action.
Sandbox is unmistakable
Test mode is clearly marked everywhere, and live mode cannot be switched on by accident.

?FAQ

Questions, answered

Can I accept real payments with VEYRA today?

Not yet. VEYRA is in pre-launch: the sandbox is fully usable with simulated money, and live processing will open after partner integration, legal authorisation and a security review.

Does VEYRA hold my money?

No. Funds will be held and moved by authorised financial partners. VEYRA provides the software that orchestrates payments, records them in a ledger and reconciles payouts.

Is the sandbox free?

Yes. The sandbox is free, with no time limit and no card required.

Which countries will be supported?

We are designing for businesses in the European Economic Area first, with Italy, Romania and France among the earliest markets. Final coverage depends on our partners’ authorisations.

Do I need a developer?

Not necessarily. Payment links and hosted checkout work without code, and Smart Setup tells you which option fits your business.

Open the books on your first payment.

Create a sandbox account in a minute. No card, no commitment, no real money.

Create a sandbox accountTalk to us