Accept cards and bank payments. Send by Interac, EFT, or across borders. Jmoor orchestrates nine processors behind a single API — routing each payment to the right rail, failing over to a backup you’ve set, and reconciling every cent to one ledger.
Interactive preview. One integration; Jmoor picks the right rail and processor by your rules — and falls through to a backup you’ve set.
The integration-sprawl problem
Both directions
Most platforms do one or the other. Jmoor does both — acquiring and payouts — through the same engine.
Visa, Mastercard, Amex, and Discover — authorized, captured, and settled.
Pull funds by PAD (business or personal, CPA Rule H1) for bills and subscriptions.
Connect and verify bank accounts, and read balances and transactions, via aggregation.
Near-instant bulk payouts across Canada — same-day money.
Reliable, low-cost Canadian direct deposit in the standard bank file format.
Rate-locked payouts in local currency, reaching 160+ countries.
The orchestration layer
The processors are interchangeable parts. The intelligence — the routing, the failover, the reconciliation — lives in Jmoor.
Every processor implements the same contract — charge, refund, disburse, debit, convert. Your code talks to one API, not nine.
Route each payment by corridor, currency, amount, or card type (BIN) — plus your own rules, read fresh the moment money moves.
Set a fallback chain, and if your preferred processor is unavailable the router falls through to the next that supports the same rail and corridor — the payment still goes.
Onboarding a new provider is a wiring change behind the interface — no rebuild of your payment code.
Every rail, one place
Speed, cost, and reach differ by rail. Jmoor gives you all of them — and picks the right one for you.
The processor network
Each is a specialist. Together, behind one interface, they cover the rails and corridors your business actually needs.
Canadian PAD, EFT & Interac
US card acquiring (PayFac)
Card acquiring
Global card acquiring
European payment methods
Cross-border, rate-locked FX
Multi-currency & cross-border
Open-banking aggregation
Virtual card issuing
The payment lifecycle
The payment is validated, keyed for idempotency, and sent to the chosen processor.
The processor takes it on; status is tracked as it advances through the rail.
The money clears and lands for real, followed all the way through.
Matched against the processor’s record daily — confirmed, closed, and on the books.
Rejections, refunds, NSF returns, and chargebacks are first-class states too — with automatic retry-and-backoff where it’s safe to retry.
Built to be trusted with money
Every request carries a key, so a retry — network blip, double-click — can never move money twice.
Processor callbacks arrive out of order and more than once; Jmoor de-duplicates them and applies each exactly once.
Balances are compared against every processor daily; any drift beyond a threshold is flagged and held for review.
Card details are captured by the processor’s hosted fields and tokenized — raw card numbers never touch our servers.
Every charge, refund, payout, route decision, and status change is logged (with sensitive data redacted) — an append-only record you can always inspect.
A full test surface with simulated processors and decline codes, so you can build and verify before going live.
Cross-border payouts route through Wise and Airwallex with a rate that’s locked at conversion, so the amount that lands is the amount you promised. No surprise spreads, no accounts to open in every country.
Illustrative. Actual rate is locked when the conversion is quoted.
Who it’s for
Accept from buyers and pay out to sellers, across rails and borders, from one integration.
Pay vendors and contractors on the right rail, with approvals and reconciliation built in.
Take cards and bank payments with routing that optimizes for cost and acceptance.
Send in local currency with rate-locked FX — without opening accounts in every country.
Built on this engine
Orchestration vs a single processor
Frequently Asked Questions
It’s a layer that sits above individual payment processors and speaks to all of them through one interface. Instead of integrating each provider separately, you integrate once with Jmoor and it routes each payment to the right processor and rail — with failover if one is unavailable.
Money in: card acquiring (Visa, Mastercard, Amex, Discover), pre-authorized debit (business and personal), and open-banking bank connections. Money out: Interac e-Transfer, EFT (CPA-005), and rate-locked cross-border payouts in local currency across 160+ countries.
Nine live adapters: VoPay (Canadian PAD/EFT/Interac), Finix (US card acquiring, PayFac), Helcim and Checkout.com (card acquiring), Mollie (European methods), Wise and Airwallex (cross-border FX), Flinks (open banking), and Lithic (virtual card issuing). Because they share one interface, more can be added without changing your integration.
Each payment is routed by capability — the rail, currency, and corridor it needs — and by your own routing rules, read at the moment money moves. If your preferred processor isn’t available, the router falls through to another that supports the same rail and corridor, so the payment still goes through.
Every instruction carries an idempotency key. If the same request arrives again — a retry, a duplicate webhook, a double-click — the platform recognizes it and won’t move the money a second time.
Every movement posts to a double-entry ledger and is reconciled against each processor daily. If a balance drifts beyond a small threshold, it’s flagged and held for review rather than quietly absorbed — so your books always match what actually cleared.
Yes. There’s a full sandbox with simulated processors and decline codes, so you can build and verify every flow — successes, failures, refunds, and edge cases — before touching real money.
Yes. Cross-border payouts route through Wise and Airwallex with rate-locked FX, delivering in local currency. Balances and movements are tracked per currency and reconciled the same way as everything else.
Related products
Accept and pay out across every rail, route around trouble, and reconcile it all to one ledger — without wiring your business to a single processor’s fate.
One System. Every Number. Total Confidence.
