See FinVeil in 10 steps

FinVeil is South Africa's payments orchestration layer. We sit between your systems and 6 payment providers — Stitch, Paystack, Yoco, PayFast, Ozow, and Rapyd. Every transaction is intelligently routed to the best provider based on speed, cost, reliability, and bank compatibility. We never hold your money.

• •6 providers: Stitch (PayShap, RTC, SDV, Instant EFT), Paystack (EFT, Card), Yoco (Card), PayFast (Card, Instant EFT, EFT), Ozow (Instant EFT, EFT), Rapyd (EFT, Card, cross-border)
• •13 provider×rail combinations scored per transaction
• •One API to all of them — your integration stays the same regardless of which provider handles the payment

FinVeil is a pass-through orchestration layer. Funds remain with you, your bank, or your licensed provider. We instruct, record, and prove — we don't custody. See our architecture, security posture, and compliance boundary.

When you send a payout, FinVeil's router evaluates every eligible provider and rail in real time. It scores each option across four dimensions, weighted by what you care about most:

• •Speed score (weight 50% for instant payouts): PayShap = 100, RTC = 90, Instant EFT = 85, SDV = 60, Card = 50, EFT = 20
• •Cost score (weight 20% for instant, 60% for cheapest mode): cheapest provider scores 100, most expensive scores 0
• •Reliability score (weight 20%): rolling 24-hour success rate per provider — if Stitch had 3 failures this morning, its score drops automatically
• •Bank match score (weight 10%): PayShap to a participating bank scores 100 — the recipient gets their money in 10 seconds

You control the weighting: mode "instant" prioritises speed, mode "cheapest" prioritises cost, mode "same_day" balances both. The router applies the right formula automatically.

If the chosen provider fails (timeout, 5xx error, service degradation), FinVeil doesn't just return an error — it automatically tries the next-highest-scoring provider in the fallback chain. Your transaction succeeds even when a provider has a bad day.

• •Primary fails with retryable error → immediate failover to next in chain
• •Primary fails with terminal error (invalid account, insufficient KYC) → no failover, surface the real error
• •3+ failures in 60 seconds → circuit breaker opens for 5 minutes, all traffic automatically routes around
• •Every failover is recorded in the routing decision audit trail

In the demo, click the R1,200 transaction to see a real failover: Stitch was unavailable, Paystack took over automatically.

This is the screen your operations team lives in. Every transaction FinVeil has orchestrated — amount, provider chosen, rail used, current state. Real-time, filterable, and every row is clickable for the full story.

Click any row to open the detail drawer with routing decision and ledger proof.

Inside each transaction, the Routing Decision panel shows every provider that was considered, their individual scores across all four dimensions, and exactly why the winner was selected. This is full transparency — no black box.

• •See all 13 provider×rail combinations scored
• •Winner highlighted with the highest total score
• •Ineligible providers shown with the reason (credentials not set, provider down, etc.)
• •Inputs shown: amount, currency, routing mode, recipient type

Click the R2,500 PayShap transaction — Stitch scored 95 on speed, beating Paystack's 72. Click the R47,000 EFT transaction — Paystack won on cost because its EFT fee (R3.00) was cheaper than Stitch (R3.50).

Every transaction posts balanced double-entry accounting records. DEBIT and CREDIT, with human-readable account labels ("MERCHANT CASH", "PROVIDER PAYABLE"), summing to balanced. This is the audit trail that satisfies CFOs, regulators, and gaming licence auditors.

• •Sum of debits always equals sum of credits — enforced by the system, not by convention
• •Account labels resolve to human-readable names, not raw UUIDs
• •Nightly reconciliation job detects any drift and alerts immediately
• •Every cent is traceable from API request → routing decision → ledger entry

In any transaction drawer, scroll past routing to see "Ledger Proof" with the balance check.

For every single transaction, you can see what each provider would have charged and how long settlement would have taken. This is the data that proves FinVeil is saving you money — or choosing speed when that's what you asked for.

• •Stitch PayShap: R0.40 per transaction, 10-second settlement
• •Stitch EFT: R3.50, 24-hour settlement
• •Paystack EFT: R3.00, 1-2 day settlement
• •Paystack Card: 2.9%, instant authorisation
• •Ozow Instant EFT: ~1.5% capped at R30, 30-second settlement
• •Rapyd: 2.5% collections, R15 flat payouts, cross-border to 190+ countries

All provider fees are passed through at cost — FinVeil does not mark them up. You see exactly what the provider charges.

FinVeil charges a platform fee plus a per-transaction rate. Provider fees pass through at cost, separately invoiced. Three tiers scale with your volume. Pilots start at R75,000 for a 30-day discovery.

• •Starter: R15,000/month + R3 per transaction (up to 10,000/month)
• •Growth: R45,000/month + R2 per transaction (up to 50,000/month)
• •Scale: R125,000/month + R1 per transaction (unlimited)

Ready to evaluate FinVeil for your business? A 30-day Discovery & Tinker phase gives you a working sandbox with all 6 providers, a security pack, and a clear go/no-go. No production money moves until you're ready.