EVA Pay

Payments through EVA, built into the platform

Connect any payment provider, use any terminal, and accept payment anywhere in the world. All configured from a single engine in EVA. Native, automated and built for modern retail.

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EVA Pay Global

Significant lower payment fees. Direct PSP connections through EVA remove intermediary costs from the transaction chain.

Any PSP, any terminal. Connect any payment provider globally and use any compatible hardware, with no vendor lock-in.

Always on, always transacting. Offline resilience is built in as standard, so your store never loses the ability to process payments.

Global payments made easy through EVA Pay

EVA Pay brings two distinct products together under one roof. Both are native to EVA. Both are commercially significant. Keep them clearly in mind as you explore this page.

EVA Pay

Native payments for any retailer, anywhere

Explore EVA Pay
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EVA Pay Platforms

Built for franchise networks and marketplaces

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The problem

Payment is not an afterthought

Most retailers bolt payments on after the fact. A third-party integration here, a separate terminal contract there, manual reconciliation at the end of every day. Each gap creates friction for customers, for finance teams, and for operations.

The result is lost revenue, slower checkout, and no single source of truth across channels. In an era of omnichannel retail, fragmented payment infrastructure is no longer a minor inconvenience. It's a competitive disadvantage.

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The solution

EVA Pay puts payments in your control

EVA Pay is the native payment layer inside EVA. It connects any PSP globally, supports any payment terminal, and handles every checkout flow: in-store, remote, and offline. All payment data feeds directly into EVA for automatic reconciliation.
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Multi-PSP Orchestration

Connect any PSP globally, switch without rebuilding

All PSP integrations are pre-built and managed inside EVA. Assign a different provider per region, country, or channel from a single orchestration engine. When expanding to a new market, select the preferred PSP and go, with no new integration required.

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Smart Routing & Automatic Fallback

More conversion, less downtime, and fewer manual interventions

When a payment fails, EVA automatically retries and routes to a fallback PSP. Customers almost never see a decline. The system continuously routes to the best-performing provider per transaction, silently and in real time.

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No terminal lock-in

One hardware investment for all markets

EVA Pay works with any compatible payment terminal. Buy hardware once and use it with any PSP across all regions and rollouts. Change acquirer without touching a single device. The commercial flexibility follows the operational one.

Checkout flows

Every way to pay through just one EVA integration

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Pay by link

Close the sale remotely. Send a payment link by email. Customers pay on their own device. Configurable expiry and reminders included.

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Pay by QR

Scan and pay instantly. Display a QR code on any screen or terminal. Customers pay on their own device. Works offline for line-busting.

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Tap to Pay on iPhone

Every iPhone is a terminal. Customers tap card, phone, or wearable on the associate’s device. No extra hardware needed. Apple-certified and PCI compliant.

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Offline Mode

Your store never stops. EVA activates a secure offline flow when connectivity drops. Configurable transaction limits. Everything syncs when connection returns.

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In-Store Terminal Payments

Any terminal, any PSP. Connect certified terminals and accept card, contactless, and digital wallet payments. EVA routes transactions through your provider.

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E-commerce and Online

In-store and online, one platform. The same orchestration engine powers your online checkout. Cards, wallets, BNPL, and local methods supported. Unified order data throughout.

EVA Pay is built for the realities of modern retail

Global Coverage

Pre-integrated PSP connections cover every country. Pick your preferred provider per market from the orchestration engine, with no new integration needed when expanding.

Significant lower fees

Direct PSP connections through EVA's orchestration layer remove intermediary costs. A measurable commercial benefit from day one.

Native integration

Payments are part of EVA. Order, payment, and customer data in one place from the moment of transaction. No reconciliation overhead.

Always-on resilience

EVA Pay works offline. Stores never lose the ability to transact, regardless of connectivity. Automatic sync when the connection returns.

EVA Pay Platforms

The financial layer your franchise network needs

EVA Pay Platforms goes beyond accepting payments. It lets you embed, operate, and monetise a full financial infrastructure across your entire sub-merchant network.

Designed specifically for companies operating franchise networks, concession models, or marketplace structures. Onboard, settle, split, and monetise payments at scale, with centralised oversight and automated compliance throughout.

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Built for multi-merchant complexity

Everything you need to run payments at scale

Embedded merchant onboarding

Automated KYC and KYB verification gets new franchise locations live and transacting in hours, not weeks. The entire onboarding flow runs inside EVA, with no manual processing and no external tooling required.

Virtual balance accounts

Each sub-merchant gets their own virtual balance account. Full visibility of funds across every merchant in your network. No commingling.

Automated split payments

Define how every transaction is distributed across platform fee, sub-merchant revenue, and tax hold, and EVA executes the split automatically at the point of payment.

Flexible payout scheduling

Configure payout frequency per merchant: daily, weekly, monthly, or custom. Automate bank transfers without manual intervention.

Platform fee collection

Charge a platform fee on every transaction processed through your network. Fees are collected and settled automatically, giving you a scalable revenue layer that grows with transaction volume.

Refund orchestration

EVA unwinds splits automatically on returns, reclaiming the platform fee, adjusting sub-merchant balances, and updating the order record without any manual correction.

Multi-currency settlement

EVA provides a single, real-time view of orders, inventory, customers, and operations across all channels. This unified data model enables faster decision-making and complete control over your retail ecosystem.

Unified network reporting

Consolidated across the platform or drilled down per sub-merchant: transaction volumes, fee income, outstanding balances, and payout history, all inside EVA.

Platform-level risk & fraud controls

Set risk parameters at the platform level that apply across all sub-merchants. Manage exposure across the network without relying on individual merchants.

Terminal fleet management

Deploy, configure, and manage payment terminals across your entire sub-merchant network from one place. Push updates and monitor terminal status centrally.

Working capital for your network

Offer financing to sub-merchants based on their real transaction history inside EVA. Capital advances repaid automatically through a percentage of daily volume.

Centralised compliance management

Manage PCI DSS compliance, local regulations, and AML obligations at the platform level. Sub-merchants benefit from your compliance umbrella as you scale.

Built for how you actually operate

Complex retail structures made simple

From franchise rollouts to marketplace settlements, EVA Pay Platforms adapts to your structure without requiring custom development or separate payment stacks per entity.

Franchise Networks

Each franchise location accepts payments independently under your brand, with settlements managed centrally and platform fees collected automatically.

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Concession operators

Department stores and multi-brand operators manage payments per brand or seller, with per-concession reporting and automated split settlements.

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Marketplace operators

Route and split payments to fulfilment partners automatically. Handle returns and refunds across multiple sellers without manual reconciliation.

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Multi-brand portfolios

Centralise payment infrastructure, compliance, and reporting across all entities in your portfolio, without each brand having to manage its own payment stack.

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Globally Compliant

Enterprise-grade security and controls

New Black meets the highest industry standards for security and compliance. Our platform includes all default controls that enterprise teams expect: encryption, audit logs, role-based access controls, network security, continuous monitoring, and more.

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Questions and answers

EVA Pay is built for the realities of modern retail

What is EVA Pay and how does it fit into the EVA platform?

EVA Pay is the native payment layer built directly into the EVA platform. Rather than bolting on a third-party payment solution, EVA Pay handles everything from PSP connections and terminal management to automatic reconciliation and offline resilience, all within the same system you use to run your retail operations. Because payments and order data live in one place, there is no end-of-day reconciliation work and no data gaps between your checkout and your back office.

Which payment service providers does EVA Pay support?

EVA Pay supports any PSP through its pre-built orchestration layer. All integrations are already built inside EVA, so there is no custom development required when connecting a provider. You can assign different PSPs per country, region, or channel from a single engine, which means expanding into a new market is a matter of selecting your preferred provider rather than building a new integration from scratch.

Can I keep my existing payment terminals when switching to EVA Pay?

Yes. EVA Pay works with any compatible payment terminal, so there is no need to replace your existing hardware when you connect a new PSP or roll out EVA in a new region. You buy hardware once and use it across all markets and acquirers. If you change PSP in the future, your terminals stay exactly as they are.

How does EVA Pay handle payments when there is no internet connection?

EVA Pay activates an offline mode automatically through its Watchtower architecture when connectivity drops. Your store keeps transacting through a secure, time-limited payment flow. You can configure a maximum transaction amount and an overall offline limit to manage your exposure. As soon as the connection returns, everything syncs automatically with no manual steps required.

How much can retailers save on payment processing fees with EVA Pay?

By connecting directly to PSPs through EVA's orchestration layer, you remove intermediary processors from the transaction chain. Retailers routing payments through EVA can reduce processing fees by up to 50%. The actual saving depends on your current setup, transaction volumes, and the markets you operate in. The EVA team can model the numbers for your specific situation.

What is EVA Pay Platforms and who is it built for?

EVA Pay Platforms is the financial infrastructure layer designed for businesses that operate multiple sub-merchants, including franchise networks, concession operators, department stores, and multi-brand portfolios. It lets you onboard new merchants with automated KYC and KYB verification, split payments automatically at the point of transaction, collect platform fees, schedule payouts, and manage compliance centrally, all from a single platform without needing a separate payment stack for each entity.

How does reconciliation work across multiple channels, markets, and PSPs?

Every transaction processed through EVA Pay is automatically matched to the corresponding order in EVA's financial layer. This happens across all channels, including in-store, online, and mobile POS, and across every market and PSP you operate. Finance teams get clean, complete data without manual matching, and reporting is available directly inside EVA with export options for external finance systems.

Is EVA Pay compliant with PCI DSS and local payment regulations?

Yes. New Black meets the highest industry standards for security and compliance. EVA Pay includes encryption, audit logs, role-based access controls, network security, and continuous monitoring as default controls. For businesses using EVA Pay Platforms, compliance management is handled at the platform level, so individual sub-merchants benefit from your compliance umbrella rather than having to manage PCI DSS and AML obligations independently.

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Let’s talk

In this session, we’ll show how EVA helps enterprise retailers keep inventory accurate, fulfill faster, and deliver consistent customer experiences online and in-store.

This is an educational session, not a sales pitch.

  • Centralize inventory, orders, and fulfillment
  • Reduce complexity and operational friction
  • See how EVA works with your existing tech stack