Checkout, tuned for growth.
One API call screens the payment with your fraud vendor, picks 3D Secure or an SCA exemption, authorizes on your PSP and retries on a backup PSP when the first one fails. You keep your contracts; we do the work in between.
Rescue payments a PSP drops
When the primary PSP fails for technical reasons, we retry once on your backup PSP. A 3D Secure result travels with the payment, so the customer is not challenged twice.
Explore orchestration →Ask for 3DS only when it pays off
Your fraud vendor's verdict drives the decision: an exemption when the risk is low, 3D Secure when it is needed. Every payment shows who bears a fraud chargeback.
See how exemptions work →Capture and refund with one id
Capture all or part of a payment, void it or refund it in several steps. We know which PSP authorized it and check the amounts before calling it.
Explore operations →Every decision in one call
Collect device data
halba.js reads IP, browser and fraud session on your checkout page.
Screen for fraud
Your vendor approves, declines or advises SCA before any PSP is called.
Authenticate smartly
An exemption when it is safe, 3D Secure when it is needed.
Authorize
On your primary PSP, with the 3DS result attached.
Fall back
On a technical failure, one retry on the backup PSP without the customer.
Report
One response with status, PSP and liability; your vendor gets the outcome too.
What Halba does today
Orchestration and fallback
One API across your PSPs, with automatic retry on a backup PSP.
3D Secure and SCA exemptions
Risk-based 3DS, exemptions and a clear view of fraud liability.
Fraud prevention
Your fraud vendor in the payment flow, from checkout to refunds and logins.
Capture, void and refund
One id per payment, whatever PSP authorized it.
halba.js and wallets
Device data and 3DS in the browser, Apple Pay and Google Pay.
Dashboard
Connect PSPs with a key, see every payment step by step.
Questions we hear
Do I keep my PSP contracts?
Yes. Payments run on your own Adyen, Stripe or Checkout.com accounts and pricing. Halba never holds funds.
Who bears a fraud chargeback?
The issuer after a successful 3D Secure, otherwise you, possibly covered by your fraud vendor's guarantee. Every payment says which, and why. Never Halba.
Do card numbers reach Halba?
No. Cards are tokenized in the customer's browser by the vault; Halba and your server only handle tokens.
Which PSPs and fraud vendors can I use?
Adyen, Stripe and Checkout.com as PSPs, Riskified and Forter for fraud prevention. Braintree, Nuvei and PCI Proxy are next.
How do I try it?
Open the sandbox, connect your test PSP accounts, create an API key and send a payment. No real money moves in the sandbox.
Try it in the sandbox
Connect your test PSP accounts, create an API key and send your first payment in minutes. No real money moves in the sandbox.