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Acquiring

Your single gateway declines 3% of legitimate customers

Route cards across gateways by region and card type. Smart retry recovers failed auths. 3DS2 and risk scoring block fraud before settlement.

Multi-GatewayGlobal CoverageFraud Prevention
Talk to GruvBack to Payouts
Gruv Pay
4827 · 8817 · 2041 · 0093
Authorized$62.40
Authorizationauth_01J8M…
  1. Tap / chip0.0s
    Contactless · Visa
  2. Issuer auth0.4s
    Issuer responded · 00 approval
  3. Approved0.9s
    Captured · posted to ledger

Where card acceptance leaks revenue.

False Declines

Legitimate customers get rejected at checkout. Every false decline is lost revenue and a frustrated buyer.

Fraud and Chargebacks

Card testing, account takeover, and chargebacks drain margin and tie up your dispute team.

Single-Gateway Risk

One gateway means one point of failure. When it goes down, checkout goes down with it.

Multi-Currency Acceptance

Global customers pay in dozens of currencies. Each has different scheme rules and settlement timelines.

Reconciliation Across Gateways

Matching auths, captures, refunds, and chargebacks across multiple gateways is a manual, error-prone process.

Compliance Burden

Meeting card scheme mandates requires ongoing investment in security controls and audit prep.

Gruv Solution

Intelligent card routing

Route Visa, Mastercard, Amex, and Discover across gateways with smart retry, fraud prevention, and unified reconciliation. One integration.

Multi-Gateway Routing

Distribute transactions across gateways by region and card type to maximize uptime and authorization rates.

Smart Retry Logic

Retry failed auths through an alternate gateway with tuned parameters. Recover revenue your single-gateway setup loses.

Fraud Prevention

3DS2 challenges, risk scoring, and velocity checks block fraud before settlement.

Global Coverage

Confirm the card schemes, merchant categories, and acquiring markets available for your approved program before launch.

Unified Reconciliation

Auths, captures, refunds, and chargebacks reconcile into a single ledger across all gateways.

Tokenized Storage

Hosted fields and tokenized card storage keep your integration out of card-data scope.

Capabilities

Card Features

Reporting

Auths, captures, refunds, and chargebacks in one reconciliation dashboard.

Global Schemes

Show the schemes and markets enabled for the merchant program, including any category or regional restrictions.

Fraud Tools

3DS2 challenges, risk scoring, and velocity checks.

Smart Retry

Route eligible authorization failures according to the retry policy configured for the merchant program.

How it works

Transaction Lifecycle

Before vs after Gruv

Acquiring inside the payout workflow

Card revenue in one tool, payouts in another. Your finance team bridges two systems at every close. Gruv keeps both under one ledger.

Without Gruv
With Gruv
Reconciliation
Card settlement files and payout files merged manually each week.
Map acquiring deposits and payouts into a common reconciliation view with source references attached.
Net-settlement
Funds round-trip through a settlement account before you can pay out.
Acquiring proceeds fund payout batches directly. No intermediate transfer.
Chargeback handling
Chargebacks land in the acquirer portal. AP sees the impact days later.
Chargebacks surface in the same dashboard with the original payout context.
Reporting
Two reporting surfaces, two timestamp formats, two FX models.
One statement model covers card-in and bank-out movements.
More in Payouts

Explore more in Payouts

Data Ingestion

Pull payment data from QuickBooks, NetSuite, or affiliate platforms into Gruv via API, CSV, or email.

Automation

Set payout rules once in Gruv. Scheduling, approval routing, retries, and reconciliation run without manual steps.

Payee Experience

Give payees a branded portal to manage banking details, W-9s, W-8BENs, and payment history with Gruv.

Frequently Asked Questions

Does Gruv support 3D Secure 2?+
Yes, where enabled. 3DS2 support depends on acquiring setup, region, and provider routing. Confirm the flow and triggers for your markets during evaluation.
How does chargeback management work?+
Track each dispute, attach the original transaction and invoice, and record the response date and documents required for the case.

Next step

See where Gruv fits

Tell us what you are trying to do, where it needs to work, and how your team handles it today.

Contact the team