Payment orchestration
Keep Every Payment Moving.
One integration. Multiple payment providers. Intelligent routing for modern commerce.
- OBSERVEProvider health, before routing
- ROUTETo an available provider
- RECOVERRe-route if one is unavailable
- COMPLETEThe payment finishes
How it works
Connect once. The rest happens on every payment.
You build the first step one time. The other four take place on each payment, following the rules you set.
Connect
Your system makes one kind of API call. Peneu holds the connections to each provider behind it.
One integrationObserve
It keeps track of how each provider is doing, so routing decisions aren't made blind.
Provider performanceRoute
Each payment goes where your rules send it: by method, amount or provider health.
Intelligent routingRecover
If a provider fails on its side, the payment can be retried on another eligible provider, only when that's safe.
Smart retryReconcile
Outcomes from every provider come back in one format, ready to match against settlements.
Reconciliation
A payment, traced
What happens when a provider stops answering
One payment from request to success, including the moment Provider A goes quiet. The events and providers are examples, not live data.
- payment.requestedCustomer pays by UPIreceived
- route.selectedProvider A · healthyrouted
- provider.unavailableProvider A stopped respondingunavailable
- route.recoveredMoved to Provider B · healthyre-routed
- payment.authorizedProvider B approved itauthorized
- payment.completedCustomer sees the success pagecompleted
Provider health at the time
- Provider Anot responding
- Provider Bhealthy
- Provider Chealthy
Around the core
The rest of your payment stack, on the same connection
Orchestration is the core. Around it are the services businesses usually buy separately: collections, payouts, verification, bills and more. Pick a group to see what's in it.
All 45 products
45Collect Payments16 services
- Payment GatewayOne API, every payment method
- UPI & QR / SoundboxCollect online, in-store, and on the go
- NACH / eNACHMandate-based recurring debit for EMIs & premiums
- Subscription PaymentsRecurring billing for SaaS & membership businesses
- Collection APIBuild your own checkout, our API underneath
- Payment LinksGet paid without a website
- Payment PagesOne hosted page to collect from many payers
- Refund APIProcess refunds without the back-and-forth
- WhatsApp PaymentsCollect payment inside the chat
- One Click CheckoutFewer steps for returning customers
- Card TokenisationRBI-mandated card-on-file security
- POS & Card MachinesCard-present payments for every counter
- Shopify IntegrationAdding a payment provider to Shopify
- WooCommerce IntegrationGateway plugins for self-hosted stores
- Magento IntegrationPayment modules for Adobe Commerce
- Wix IntegrationTaking payments on a builder site
Banking & Payouts8 services
- PayoutsSend money to any bank account or UPI ID
- Bulk PayoutMany payouts from one file or request, tracked row by row
- Vendor PaymentsPay suppliers against approved invoices, safely
- Salary PaymentsGet net pay into every account on payday
- Virtual AccountsOne account number per customer, so transfers match
- Current AccountHow business current accounts work
- SettlementFrom collected to reconciled, automatically
- Prepaid CardsHow prepaid card programmes work
Recharge & Bill Payments3 services
Verification & KYC8 services
- KYC & Identity VerificationLayered identity checks for onboarding
- Bank Account VerificationConfirm an account before you pay it
- Penny Drop VerificationConfirm a bank account with a real ₹1 transfer
- Penny-less VerificationCheck bank accounts without moving money
- PAN VerificationCheck a PAN and the name behind it
- Aadhaar VerificationConsent-driven identity checks
- KYB — Business VerificationConfirm the legal entity is real, not just the person
- GST VerificationCheck a GSTIN’s status and legal name
Lending & Financial Services3 services
Enterprise Infrastructure5 services
Where Peneu sits
One orchestration layer. Multiple financial connections.
Commerce on one side, the institutions and rails that move money on the other. Peneu sits in between, so your business connects once.
MERCHANTS
- Online stores
- Apps
- Marketplaces
- Platforms
FINANCIAL CONNECTIONS
- Banks
- PSPs
- Payment gateways
- UPI
- Cards
- Banking rails
- Payout rails
- Global payment connections
Categories of connection, not a list of live integrations.
Banking
Banking Network
Designed to connect commerce with the broader banking and payment ecosystem.
Logos are trademarks of their respective owners and are shown to illustrate the banking ecosystem. They don't indicate a partnership or endorsement.
Industry and ecosystem
Our affiliations and partnerships
Industry bodies, forums and startup programmes Peneu is part of.
Indian Financial Forum
T-Hub
Unified Fintech Forum
Fintech Convergence Council
Internet and Mobile Association of India
Payments Council of India
Tech Entrepreneurs Association
Recognition
Awards and accolades
2025Best Use of Emerging Technologies in Fintech
Bharat Fintech Summit 2025
2024Finalist in Fintech Startup of the Year
India FinTech Forum
2024Global Icon Award
Corporate Connect
2023Business Success Story Magazine
BSS Magazine
Keep every payment moving.
Tell us which providers you use today and where payments get stuck. We'll show you what the setup would look like on Peneu.