Features
Everything the payment touches
Four systems, one API call: risk, routing, ledger, insight. Each one usable alone, each one better with the others.
Risk
AI Risk Engine
184 features scored inline, 38ms per transaction, no review queue.
detected
99.9%
Routing
Instant Routing
34 providers ranked live by cost and approval, failover at 400ms.
approval
95%
Ledger
Live Ledger
Double-entry, immutable, reconciled at settlement instead of month end.
close time
0 days
Insight
Real-Time Insights
Cohorts by country, method, and risk band, queryable without an export.
data lag
1.2s
02 — Routing
One decision per transaction, not per contract
The router scores every acquirer on live approval rate, fee, and latency, then picks per transaction. When the first attempt stalls, a second provider is tried before the customer notices.
01
Cheapest acquirer above your approval floor.
02
Retry logic tuned per decline code, not per merchant.
03
Rules overridable by country, BIN, or amount band.
03 — Coverage
What ships in each plan
capability
Build
Scale
Enterprise
Unified payments API
included
included
included
Acquirers connected
3
12
34
Custom routing rules
—
included
included
Risk model tuning
—
shared
dedicated
Ledger export
daily
hourly
streaming
Support response
24h
4h
15min
// authorize, score, and route in one request
const payment = await nord.payments.create({
amount: 4250,
currency: ‘BRL’,
source: token,
routing: { strategy: ‘cost’, minApproval: 0.94 },
risk: { onDecline: ‘retry’ }
});
payment.status // ‘approved’
payment.latencyMs // 279
payment.acquirer // ‘acq_a’
API
Idempotent by default
Every write takes a key. Replays return the original result instead of a second charge.
HOOK
Webhooks with replay
Signed, ordered, and replayable for 30 days from the dashboard or the CLI.
TEST
Sandbox with real latency
Simulate declines, timeouts, and provider outages before they happen in production.
Acquirers
34
Cielo
Rede
Adyen
Worldpay
Checkout
+29
Use your own contracts. Nord never requires a switch.
Finance
9
NetSuite
SAP
Xero
QuickBooks
+5
Journal entries posted as settlement clears, not at month end.