Processing payments for 3,400+ companies globally
Brex
Mercury
Ramp
Deel
Ripple
Payoneer
Zorvix gives modern companies the payment rails, expense intelligence, and treasury tools of the largest banks — through a developer-first API. Process payments in 140+ currencies, detect fraud in real time, and manage global cash flows from one dashboard.
Processing payments for 3,400+ companies globally
From payment acceptance to treasury management, Zorvix replaces a stack of disconnected financial tools with one intelligent platform backed by AI.
Accept credit cards, bank transfers, digital wallets, and local payment methods in 140+ currencies. Processing latency under 200ms. Dynamic routing to the optimal acquiring bank maximizes authorization rates.
Real-time fraud scoring using an ensemble model trained on $2.1B+ monthly transaction patterns. Sub-50ms decision latency. Adaptive rules that learn from your business's unique risk profile, not generic industry baselines.
Unified view of cash positions across all bank accounts, currencies, and legal entities. AI-powered cash flow forecasting with 94% 30-day accuracy. One-click sweeps to yield-bearing accounts for idle cash.
Issue physical and virtual corporate cards with AI-enforced spending policies. Automated receipt matching, real-time expense categorization, and anomaly detection. Your finance team closes the month in hours, not weeks.
AI reads invoices, matches to POs, routes for approval, and schedules optimal payment timing to maximize float and take advantage of early payment discounts. Reduce AP processing cost by up to 80%.
Convert and send in 140+ currencies at interbank rates. Transparent pricing: 0.3% FX spread, no hidden fees. Same-day settlement in 62 countries. Real-time FX rate lock for predictable multi-currency operations.
Zorvix is built on the same security standards as the world's largest financial institutions — without the 6-month compliance onboarding.
Submit your application online. Our risk team reviews within 2 business days. Most businesses in supported categories are approved without lengthy underwriting calls.
Use our REST API, SDKs (Node, Python, Ruby, Go), or no-code connectors for Shopify, Salesforce, NetSuite, and QuickBooks. Pre-built UI components handle PCI compliance for you.
Start accepting payments in days. As you grow, Zorvix scales with you — from $100K to $100M in monthly processing with the same API, no renegotiation, no tier changes required.
"Zorvix's AI fraud detection cut our chargeback rate from 1.8% to 0.12% in 60 days. We had a custom model trained on our transaction patterns within 2 weeks of going live. That chargeback reduction alone saves us $280K annually."
"We operate in 28 countries. Before Zorvix, our treasury team spent 3 days per month reconciling FX positions across 7 banking relationships. Now it's a 15-minute task. The cash flow forecasting gave our board the visibility they needed to make our first major acquisition."
"Our authorization rate went from 87% to 96.4% after switching to Zorvix's dynamic routing. For a marketplace doing $80M/month, that's a massive difference in captured revenue. Their API documentation is the best I've seen in fintech."
Zorvix charges a simple percentage of transaction volume. No monthly minimums, no setup fees, no overage surprises.
For early-stage companies processing under $500K/month. No monthly fees, no minimums.
For companies processing $500K–$5M/month that need multi-currency, treasury tools, and expense cards.
For companies processing $5M+/month or needing dedicated infrastructure, custom compliance, and SLAs.
Most businesses complete Know Your Business (KYB) verification within 2 business days. We require standard incorporation documents, beneficial ownership information, and a few months of business bank statements. High-risk or regulated industries may take 5–7 business days. We'll tell you exactly what we need upfront with no back-and-forth surprises.
From day one, you benefit from our network-level fraud model trained on $2.1B+ in monthly transaction data across all Zorvix customers. As your transaction history grows on our platform (typically 30–60 days), your custom model layer kicks in and continuously adapts to your specific customer base and risk profile, resulting in higher accuracy and lower false positives over time.
We support 140+ currencies and accept payments in 180 countries. Payouts are available in 62 countries via local bank transfer, 90 countries via SWIFT. FX conversion is available at interbank rates + 0.3% on Growth plans. For specific country or currency questions, our sales team can confirm before you commit.
Standard payout is T+2 (funds arrive 2 business days after transaction). Growth and Enterprise customers can access T+1 or same-day payouts for most currencies with a 0.1% accelerated payout fee. Instant payouts (within 30 minutes) are available to eligible businesses at 0.25% for urgent cash flow needs.
Our automated chargeback management system handles the entire dispute lifecycle — evidence collection, response submission, and tracking. Our AI-assisted dispute responses win at a rate 2.3× higher than the industry average. For customers on Growth and Enterprise plans, dedicated chargeback analysts review high-value disputes personally.
Join 3,400+ companies processing with Zorvix. Apply today — most businesses approved in 48 hours.