Product

The control plane for payment route operations.

Palyra brings payments, routes, providers, markets, settlements, reconciliation, monitoring, and route decisions into one independent operating system for teams running multiple payment providers.

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Intelligence across the platform

Turn payment evidence into the next informed decision.

Palyra Intelligence works inside the control plane—not beside it as a generic chatbot. It discovers material change, diagnoses the evidence, recommends a bounded next step, and monitors what happened after the team decided.

Investigate

Ask payment, finance, and provider questions in plain language and trace every answer back to the exact workspace evidence.

Monitor

Watch approval, fees, settlement, reliability, disputes, and contract commitments continuously instead of waiting for a dashboard check.

Explain

Separate correlation from causality, expose missing evidence, and show confidence before a recommendation reaches an operator.

Prepare

Turn a finding into an exception case, provider review, route experiment, or approval-ready routing plan.

Verify

Measure what happened after a decision and write the result back into the merchant's operating memory.

Workspace evidence explanations are available now. Contract extraction, proactive agents, and approval-ready action drafting will ship behind evidence, access, and audit controls.

Open a workspace

How the control plane thinks

Four connected views, not another collection of dashboards.

Reconciliation

Turn disagreement into a case.

Merchant ledger$4,860.00Expected

Provider A$4,860.00Captured

Provider B$4,721.90Reported

Bank settlement$4,721.90Arrived

Exception isolated$138.10Amount mismatch · owner needed

Source records, matching logic, impact, and ownership remain attached to the exception.

Drift Monitor

Catch quiet changes over time.

Recorded expectation · T+2Observed · 4.7 days

MarAprMayJunJulAug

The alert explains the promise, baseline, comparison window, impact, freshness, and supporting records.

Route Passport

Keep the promise beside the outcome.

Approval target: ≥ 86%
Settlement: T+2
Reserve: 5% · 90 days
Coverage: ZA · Cards

Fees, limits, reserves, coverage, effective dates, and evidence travel with the route.

Palyra Intelligence

Explain the evidence before action.

Route Two shows a 10.4 point approval lift for the same market and method, but the sample is not yet sufficient to increase traffic.

4 cited recordsHigh confidence

Every explanation shows evidence, confidence, uncertainty, impact, and the next human check.

Command center

Every operating surface belongs to the same payment story.

The overview shows what needs attention. Each workspace underneath it lets the team inspect the records, understand the route context, and decide what happens next.

Payments

Normalize payment records across providers while preserving source references, states, methods, markets, and settlement context.

Routes

Keep current and candidate routes together with approval, cost, settlement, traffic share, test evidence, and the reason each route exists.

Markets

Separate market demand from the payment infrastructure available to serve it across countries, currencies, and methods.

Providers

Compare provider health, coverage, commercial expectations, and observed performance without relying on one provider's dashboard.

Settlements

Track expected and observed funding, isolate timing variance, and keep settlement evidence separate from payment success.

Reconciliation

Turn missing records, duplicates, fee variance, amount differences, and status conflicts into explainable cases for an operator.

Intelligence and decisions

See the change, understand the evidence, preserve the decision.

Palyra goes beyond aggregation by keeping provider promises, operating history, exceptions, experiments, and the final route decision connected.

Guided workflow

Drift Monitor

Compare fees, approval, settlement, and reliability with recorded promises and prior baselines, then surface material changes with the evidence behind them.

Guided workflow

Route Passport

Record commercial terms, limits, reserves, coverage, effective dates, evidence, and confidence with the route.

Shadow mode available

Route Tests and Rules

Frame a bounded comparison, preserve assumptions and sample sufficiency, and simulate provider decisions against workspace evidence without touching live traffic.

Available in workspace

Palyra Intelligence

Explain findings with cited evidence, confidence, impact, and uncertainty while keeping the underlying records visible.

Workspace exports available

Decision Records and Reports

Download source coverage, reconciliation, settlement evidence, currency totals, and unresolved exceptions for finance and provider reviews.

Connector foundation

Recurring Connections

Provider-specific API, webhook, and file connectors follow one contract with freshness, replay, rate-limit, and dead-letter controls before activation.

Orchestration

Plan the complete payment flow, then activate it under control.

The shadow planner is available in the control plane today. Live routing follows the same plan only after provider verification, approval, traffic limits, circuit breakers, and rollback controls are in place.

Payment requestSouth Africa · Card · ZAR 2,480Returning customer · standard risk

Approved route policyPerformance first, cost within limit3DS when required · one bounded fallback

PrimaryProvider BSelected

FallbackProvider AReady

Connect the evidence

Start with sanitized merchant-owned exports. Recurring provider, bank, accounting, and warehouse connections follow as each mapping is verified.

Build the operating picture

Normalize provider definitions into comparable payments, routes, markets, providers, settlements, and exception cases.

Investigate and decide

Trace a signal to its evidence, reconcile what does not agree, evaluate an alternative route, and record the human decision.

Keep watching

Compare observed performance with promises and history so fee increases, approval deterioration, or settlement drift do not disappear into monthly averages.

Approve, execute, and verify

Simulate the route policy, require the right authority, execute within limits, and measure the result with rollback and the Decision Ledger intact.

The evidence remains inspectable.

Palyra keeps source references, definitions, confidence, freshness, and uncertainty visible. Material payment or provider changes remain governed by the business and its authorized systems.

No opaque score replaces the underlying record.

See the complete payment-route operating system.

Walk through the command center with a realistic multi-provider scenario and decide where it fits your current operation.

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