Payment Technology Est. 2021 · Global Infrastructure

Smart routing for modern payments.

We build the technical side of the transaction flow: routing, cascading, automation and fraud models that lift acceptance in every market you sell in.

Start with us See how it works
(01 — Payment Gateway)

One flow, built to convert.

01
Smart Routing

Every payment, sent the smart way.

Smart routing scores each transaction in real time and sends it to the acquirer most likely to approve it, weighed by success rate, cost, currency and geography. The route adapts as performance shifts. No static rules.

  • Real-time decisioning per transaction
  • Optimised for approval rate and cost
  • Continuously re-balanced across providers
Transaction
Acquirer A97.1%
Acquirer B99.4%Routed
Acquirer C96.5%
02
Cascading

A decline is never the final answer.

When a transaction is declined, cascading instantly retries it down a prioritised chain of providers, recovering revenue that would otherwise be lost. Soft declines are recycled, hard declines are stopped. The customer never sees it.

  • Automatic retry across a provider chain
  • Soft vs. hard decline classification
  • Recovers revenue from avoidable failures
Provider 01 Idle
Provider 02 Idle
Provider 03 Idle
(02 — Performance)

Acceptance you can measure.

0 Average acceptance rate across connected providers
+0 Approval uplift after routing
0 Median routing latency
0 Providers connected
0 Of the world's geography

Acceptance by geography

Europe
99.1%
APAC
97.5%
LATAM
96.8%
MENA
95.9%
Africa
94.3%
(03 — Solutions) 01/ 07
01

Global Coverage

Reach 98% of the world's geography through a single integration. Every region, one connection.

02

Open Banking

Account-to-account rails for instant, low-cost bank payments without the card networks.

03

APMs

Broad alternative payment method support: wallets, vouchers and local schemes worldwide.

04

Any Business Type

An architecture that adapts to any vertical, model or risk profile — startup to enterprise.

05

Money Management

Unified balances, payouts and reconciliation in a single control plane.

06

Fraud Prevention

Adaptive risk scoring and models that block fraud, not your customers.

07

AI Agent Tools

Agent-ready APIs and automation tooling so AI agents can transact, monitor and tune flows on their own.

  1. 01 Global Coverage
  2. 02 Open Banking
  3. 03 APMs
  4. 04 Any Business Type
  5. 05 Money Management
  6. 06 Fraud Prevention
  7. 07 AI Agent Tools
(04 — Pricing)

No hidden surprises.

Processing, as low as
IC++ 0.5%
Integration Free

No charge to connect, build and go live.

Onboarding No setup costs

Zero onboarding or platform fees.

Model Pay per volume

You pay for performance, nothing else.

(05 — About us)

Why

We're an engineering-led company. While others resell payment access, Budjet owns the technical stack behind the transaction: the routing logic, the cascading engine, the automations and the risk models. That ownership is why we outperform.

Budjet is vendor-agnostic by design. We're not tied to any single acquirer or scheme. Every decision is made for one reason: getting your payment approved at the best possible cost.

2021Year founded
0Years of combined team experience
0Providers integrated
0Markets live
(06 — Contact us)

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June 2026online

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Prefer email Salessales@budjet.io Supportsupport@budjet.io