Symphopay for Merchants
From Payment to Engagement
Symphopay is leading omnichannel payments orchestration, delivering the payments infrastructure behind every store, channel, and bank for retail’s most ambitious operators.
Trusted by Leading Merchants
Omnichannel Payment Orchestration,
Built for Retail at Scale.
AI Transaction Routing
Eliminate false declines and lost sales with Agentic AI that routes every transaction to the best-performing bank in real time, up to 99.99% approval rates.
Omnichannel Payments
Unify POS, e-commerce, mobile, and QR payments under a single platform. Consistent experience across every touchpoint, every channel, every location.
In-Store Payments
Lightning-fast, reliable checkout at scale. Process up to 30 transactions per second during peak hours with plug-and-play infrastructure compatible with your existing systems.
Payment Experience
Turn every payment into a retention opportunity. Loyalty programs, card-linked offers, and personalized promotions at the moment of payment, driving repeat purchases.
Symphopay ONE for Merchants
Meet the Platform that Powers your Payments Infrastructure and helps you regain control of acquiring.
One Infrastructure for Every Payment Channel
- True Omnichannel. All channels, all payment methods in a single platform.
- 99.9% Uptime. Ensuring business continuity even with connectivity disruptions.
- Failover mechanism. Advanced and market-leading automated failover mechanism, developed in-house.
- Centralised infrastructure. Centralised operations for speed, visibility, and cost efficiency.
- Multi-bank Orchestration. Always redirect the payment based on customized payment logic.
- 99.9% acceptance rate. Maximize payment success, regardless of acquiring bank, payment method, channel, etc.
- Maximize Results. Enable your payments optimization strategy.
- Card-linked Campaigns. Card-linked offers and cross-merchant campaigns.
- Integration. Connect with any loyalty platform, system integrator, or merchant backend.
- Customer 360. Identify customers across multiple channels.
- From Payment to Engagement. Turn every payment moment into an engagement opportunity.
- End-to-end processing. Manage authorization, clearing, and settlement across all payment schemes through a single platform.
- <300 ms processing time. Record processing time and ability to scale to high peak TPS.
- Real-time reporting. Detailed transaction dashboards with advanced reporting & analytics capabilities.
- Real-time reports. Monitor performance across merchants, transactions, and infrastructure health.
- BI Power. Complex chart building & Data explorer.
- Advanced Forcasting. Anticipate volumes, trends, and revenue growth opportunities.
- Analytics & Consumer Behavior. Understand spending patterns to drive smarter engagement.
- Device Inventory. Full visibility across your entire terminal estate.
- Real-time Monitoring. Including analytics and availability alerts.
- Remote configuration. Push updates, campaigns and apps at scale, remotely.
- Multi-vendor support. Ingenico, PAX and even custom SDK development capabilities.
- PCI DSS. Level 1 compliant infrastructure the gold standard in payments.
- Enterprise Compliance. Fully compliant with Visa and Mastercard scheme mandates.
- E2E Encryption & Tokenization. Across all transaction flows.
- Enterprise Ready. Designed for high-availability and operational resilience at enterprise scale.
Conversion Rate — Agentic AI routing that rescues failed payments
Average transaction processing time
Peak transaction throughput at enterprise scale
Tens of millions of monthly transactions processed for major retailers
Transform Checkout into a Growth Engine
Elevated Payment Experience
Faster checkout, 99.9% approval rates, invisible payments. Every customer moment works, even at peak hours.
Zero Downtime
Dual-connectivity failover and multi-bank routing mean checkout never stops. No lost sales, no customer frustration.
Cost Optimisation
Lower payment costs through AI routing, automated reconciliation, and freedom from single-bank pricing pressure.
Seamless Integration
Plug & play with your existing cash register software and POS hardware. Deploy 1000s of locations in a matter of weeks.
Beyond the platform
How Symphopay delivers value for ambitious merchants, beyond technology
Payments Expertise
We are not only part of the modern payments landscape, but we have also contributed in building it from the ground up, with multiple experts that have 20+ years of experience each.
Human x Tech Approach
Behind every successful platform implementation & beyond technology, you will find a team of experts that use human ingenuity & know-how to solve the most complex solutions.
24/7 Monitoring
Automated, continuous monitoring and support availability to ensure business continuity across omnichannel systems.
Dedicated Support & SLAs
Enterprise-level SLAs and dedicated support team experience in working with some of the largest retailers and banks in the region.
Plug & Play. Zero Disruption.
Symphopay ONE integrates seamlessly with your existing systems, connect transaction data sources, deploy quickly, and start processing payments without disrupting current operations.
Integrate with any cash register software
Symphopay ONE connects directly with your existing POS and cash register systems, no replacement needed, no business disruption.
Record-Breaking Rollouts
Deploy across thousands of locations in a matter of weeks using a plug-and-play approach, proven at the largest scale in enterprise retail.
Supports Any POS Hardware
From staffed retail checkout counters to outdoor locker systems and parking payments, operating flawlessly between -20°C and +70°C. Pre-configured for Ingenico & Pax, but also supports any POS through custom SDK.
Zero Downtime at Checkout even When the Internet Fails
Proprietary transaction failover mechanism, with dual connectivity terminals: primary Ethernet + secondary SIM/GSM. The moment local internet drops, the system switches in milliseconds.
Supported by strong ecosystem partners
Deloitte Technology Fast 50
Ranked among the 50 fastest growing technology platforms in CEE.
Certified and endorsed by VISA
A strong partnership to drive payments innovation across the regional ecosystem.
What market leading merchants say
Mircea Balica
Platform Manager, eMAG
Symphopay greatly simplifies the data intelligence relationship between the merchant and the bank.
Mihai Trăistaru
VP of Products, SAMEDAY Group
Improved customer experience and enhanced operational and financial efficiency are the main benefits of the SAMEDAY easybox network. We continue to build a smarter, more sustainable system that embraces digital innovation and long-term partnerships, offering a convenient and durable solution that elevates our clients’ delivery experience.
Andrei Bica
CFO, Profi Rom Food
Symphopay’s solution has been essential in ensuring business continuity across our growing network. Their robust infrastructure has provided us with the control we need over payment systems, allowing for uninterrupted service, optimized performance, and a seamless customer experience as we scale rapidly.
Success Stories
The Power of Omnichannel
Discover how Symphopay delivers an impeccable and upgraded payment experience for consumers, while doing the heavy lifting behind the scenes.
Make the lead from payment to engagement
Join the retail leaders who have turned payments into a strategic asset.