NORBr
Homepage2024-06-06T11:10:19+02:00

NORBr for digital merchantsPayFacsretailersISVsfintechsPSPs

The last payment integration you will

ever make.

Upgrade your payment processing with NORBr’s payment infrastructure as a service.
Designed for PayFacs, ISOs, ISVs, and large retailers, our platform offers advanced orchestration and data insights.
Reduce costs, boost conversion rates, and eliminate integration hassles with NORBr.

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payment methods
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Global currencies, including cryptos
0%+
savings in development time and costs.

The last payment integration you will

ever make.

Streamline your payment processing, reduce costs and boost conversion rates efficiently with NORBr. Upgrade now and say goodbye to payment integration hassle for good!

0+
payment methods
0+
Global currencies, including cryptos
0%+
savings in development time and costs.
Trusted by
Hayvn payment partner
Hayvn payment partner
Cybersource payment partner
Nuvei payment partner
ACI Worldwide payment partner
Trusted by
ACI Worldwide payment partner
Payplug payment partner
Cybersource payment partner
Hayvn payment partner
Nuvei payment partner

NORBr for merchants

NORBr Insights (White)
  • 100% no-code.
    100% plug-and-play

  • Build customized dashboards with our dashboard builder

  • Generate reports with our report builder

  • Export data in a way that fits your needs with our customized exports

  • Collect data instantly and easily with our platform

  • Connect to any payment provider and gather data seamlessly

NORBr Stack (In White)
  • Boost conversion rates with our routing engine

  • Test and challenge payment providers

  • Ensure payment success with fallback strategies

  • Monitor payment performance and consolidate reporting

  • Tailor data exports to your specific requirements
  • Benefit from built-in reporting and reconciliation capabilities

  • Boost conversion on all devices

NORBr for Fintechs

NORBr Infra (white)
NORBr Infra (white)
  • Modernize your payment offering

  • Accelerate your time to revenue

  • Integrate easily with merchant ecosystems (e.g. shopping carts)

  • Save costs on building payment infrastructure

  • Outsource your payment roadmap and streamline your operations

  • Enjoy embedded reporting and reconciliation features

Energize your payment data strategy with

NORBr Insights (black)

Smoothly gather, analyze, and report payment data with our no-code platform.
Take your payment insights to the next level.

NORBr connectors

Explore the latest and most comprehensive list of payment ecosystem actors just a click away.

Worldline payment partner
Braintree payment partner
Stripe payment partner
Cybersource payment partner
Payplug payment partner
Trustpay payment partner
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Payment providers

The NORBr directory meticulously maps the entire payment ecosystem, detailing origin, geographical coverage, payment methods for PSPs, and features enriched descriptions, supported currencies, and key features of our certified partners.

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Payment methods

NORBr grants entry to a comprehensive directory showcasing a spectrum of global payment methods, designed to assist merchants with informed decision-making, thus broadening international scope and refining consumer interactions.

Visa payment method
Volt payment method
Alipay payment method
Paypal payment method
Amex payment method
Rupay payment method

Frequently Asked Questions

What is payment Tokenization?2023-10-05T15:12:09+02:00

Payment tokenization is a foundational practice in online transactions, with a core purpose: enhancing the protection of sensitive information. Picture your credit card data as a treasure vault needing safeguarding; tokenization is the guardian that replaces this treasure with uniquely coded tokens. These tokens are designed to be inscrutable, akin to puzzle pieces without the key. Only a secure detokenization system possesses the key to decipher them.

Tokenization, besides being a formidable defense against fraud, simplifies and fortifies transaction processes. It’s like the magic wand of online payments, ensuring your financial data stays secure.

Transforming Data into Indecipherable Codes

In the world of digital payments, where security reigns supreme, payment tokenization plays a pivotal role in safeguarding sensitive data against unauthorized access and breaches. Think about it: when you make an online purchase, your card details get tokenized. This means your 16-digit card number, expiry date, and even your name become indecipherable codes. The result? Even if a malicious entity intercepts this information, all they get are meaningless strings of characters.

Now, let’s explore tokenization’s benefits further. Firstly, it safeguards payment details’ integrity and confidentiality, ensuring only authorized parties handle your financial information. Secondly, it streamlines and simplifies payment procedures. Ever wondered how one-click purchases on your favorite e-commerce platform work? Tokenization is the secret sauce, enabling seamless retrieval of payment information without re-entry.

NORBr’s take: Universal Tokenization

Intrigued to explore how NORBr, as a payment solution orchestrator, differs from traditional PSP tokenization? Our article on Universal Tokenization by NORBr takes you through tokenization intricacies via an orchestrator. Discover why we call it ‘universal tokenization’ and how it enhances digital transaction security and efficiency.

In summary: the guardian of online payments

So, in summary, payment tokenization is the safeguarding hero in online payments, turning sensitive data into a code only the right key can unlock. It’s a fundamental practice ensuring financial information remains confidential and transactions effortless and secure.

What is the payment fallback definition?2023-10-05T15:31:01+02:00

In the digital payment landscape, ensuring a seamless payment process is paramount. What precisely does the payment fallback definition entail, and what significance does it hold?

Understanding payment fallback definition

Fallback serves as a backup mechanism when a payment transaction faces challenges during its initial approval or processing attempt. In such situations, the system automatically reroutes the transaction to an alternative payment processor or gateway for a second chance at approval. This process aims to boost the likelihood of a successful transaction and provide a user-friendly experience.

Why a plan B is essential

Imagine a scenario where a customer attempts an online purchase, but their payment card is declined due to various reasons, such as insufficient funds, technical glitches, or network problems. Without alternative, this transaction could fail, resulting in a potentially lost sale and a frustrated customer.

However, payment fallback steps in to ensure the transaction’s success. It may opt for a different payment method, route the transaction through another acquiring bank, or make necessary adjustments to currency conversions—all to maximize the chances of approval.

Key benefits of payment fallback

  1. Improved transaction success: Fallback significantly increases the chances of a successful payment, reducing declined transactions.
  2. Enhanced user experience: Users appreciate a seamless payment process. Backup solution ensures customers can complete their transactions without interruptions.
  3. Reduced cart abandonment: Fallback minimizes the risk of customers abandoning their purchases due to payment issues, positively impacting a business’s revenue.
  4. Risk mitigation: By diversifying payment processing options, fallback helps businesses mitigate risks associated with relying on a single payment provider.
  5. Global reach: Fallback can accommodate regional preferences and currency options, enabling businesses to effectively serve a global customer base.

Exploring fallback with NORBr

For a deeper dive into the world of payment fallback and to understand how NORBr’s Recover AI enhances this critical aspect of payment processing, explore our dedicated article on the topic.

What is payment routing?2023-10-05T15:31:15+02:00

In the intricate world of payments, the term “routing” holds immense significance. It refers to the intricate process of guiding a payment transaction through a labyrinth of payment networks and gateways until it reaches its ultimate destination, which is typically an acquirer or a payment processor. This journey is orchestrated through a complex interplay of rules and algorithms that take into account a multitude of factors, including approval rates, transaction fees, currency considerations, geographical locations, and various other variables. The primary objective of payment routing is to optimize the performance of transactions, with a threefold aim: increasing approval rates, minimizing costs, and ensuring unwavering compliance with stringent regulations. All of this is achieved while seamlessly delivering a frictionless and pleasant user experience.

Understanding the core concepts

  • Payment Transaction Journey: The payment routing process commences when a customer initiates a transaction. From there, it embarks on a voyage that includes several crucial waypoints. These waypoints include payment networks, gateways, and various intermediaries, each with its own role in facilitating the transaction’s progression.
  • Rules and Algorithms: At the heart of routing are intricate sets of rules and algorithms. These sophisticated decision-making tools evaluate an array of parameters, such as transaction specifics, historical data, and real-time conditions. Based on this analysis, they determine the optimal path for the transaction.

The factors influencing payment routing

  • Approval Rates: Payment routing strategies are designed to maximize the chances of a successful transaction. Factors such as historical data on approval rates for specific payment methods and networks play a pivotal role in this decision-making process.
  • Transaction Fees: Cost efficiency is another key consideration. Routing decisions aim to minimize transaction costs, which can vary significantly depending on the chosen path.
  • Currency Dynamics: In a globalized marketplace, currencies can vary from one transaction to another. Routing takes currency considerations into account to ensure seamless cross-border transactions.
  • Geographical Considerations: Different regions may have unique payment networks and regulations. Routing decisions adapt to these geographical nuances to ensure compliance and efficiency.

Optimizing the user experience

A fundamental aspect of payment routing is ensuring a seamless and user-friendly experience. Customers expect transactions to be swift and hassle-free, and effective routing contributes to achieving this goal.

Exploring our payment Routine Engine

If you’re eager to delve deeper into the intricate world of payment routing and understand the technology that powers it, we invite you to explore our dedicated article on the Routine Engine. This article delves into the inner workings of payment routing, offering insights into the algorithms, strategies, and technologies that drive this critical aspect of the payment ecosystem.

Mastering the art of payment routing

In summary, payment routing is the invisible force that ensures your online transactions are not only secure and cost-efficient but also fast and reliable. Understanding the complexities and nuances of payment routing can empower businesses to make informed decisions that benefit both their bottom line and customer satisfaction.

How do you ensure payment security and compliance?2023-04-18T17:07:33+02:00

We take payment security and compliance very seriously and follow strict measures to protect our merchants and their customers. Our platform is PCI-DSS compliant, which means that it meets the highest standards for payment card security. We also use advanced fraud detection and prevention tools to monitor transactions for suspicious activity. In addition, we stay up to date with the latest regulations and industry standards to ensure that we are always in compliance with relevant laws and regulations.

What is your process for onboarding new payment methods or providers?2023-04-18T17:07:22+02:00

When onboarding new payment methods or providers, we follow a thorough vetting process to ensure that they meet our security and compliance standards. We evaluate their technical capabilities, financial stability, and track record of successful transactions. Once a new payment method or provider is approved, we work closely with them to integrate their system into our platform and test it thoroughly before making it available to our merchants.

What payment channels do you support?2023-04-18T15:51:55+02:00

Our platform supports a wide range of payment channels, including credit and debit cards, bank transfers, e-wallets, and mobile payments. We also offer support for alternative payment methods such as cryptocurrency, which allows merchants to expand their reach and appeal to a broader customer base.

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