High-performance, secure and scalable payment orchestration platform
Technology infrastructure that orchestrates all banks and payment institutions through a single integration
Entry layer providing authentication, rate limiting, request validation and idempotency control.
Selects the optimal provider through BIN analysis, success rate optimization and cost-based routing.
Dedicated adapter layer for each bank and payment institution. Add new providers within minutes.
Real-time transaction monitoring, performance metrics, anomaly detection and automated alerting.
Explore the steps a transaction goes through from initiation to completion
The merchant sends a transaction request to the ONLA API. The request is validated, the idempotency key is checked and a transaction session is created.
Fraud checks, velocity limits, blacklist queries and risk scoring are performed. Suspicious transactions are automatically flagged or blocked.
BIN analysis, historical success rates and cost parameters are evaluated to route the transaction to the most suitable bank or payment institution.
Communication is established with the selected bank or payment institution's API. If 3D Secure is required, the verification flow is initiated. Timeout and retry mechanisms are in place.
The transaction result is instantly delivered to the merchant. Real-time notifications are sent via webhooks. Transaction details are stored in logs and reflected in reports.
Multi-layered decision mechanism that routes each transaction to the optimal provider
The first 6-8 digits (BIN) of the card are analyzed to determine the card family, country and issuing bank. This data is used to select the optimal provider.
Historical transaction data is analyzed to calculate success rates for each provider. Transactions are routed to the provider with the highest success rate.
Provider commission rates and transaction fees are evaluated. Among providers with equal success rates, the one with lower cost is preferred.
When a provider returns an error or fails to respond, the transaction is automatically routed to the next provider. Seamless payment experience.
Distribute transaction traffic evenly across providers. Ensure stable performance even during high-volume periods by preventing timeouts.
Define custom routing rules per merchant. Set specific routing rules based on parameters such as amount, card type, country and timezone.
Your data is under the highest level of protection with multi-layered security architecture
All data communication is encrypted end-to-end. Industry-standard security at the communication layer.
The highest level of card data security certification. Card information is stored and processed in accordance with the strictest standards.
Information security management system certification. Independent audit of process-based security controls.
3DS 1.0 and 3DS 2.0 support. Prevents unauthorized transactions with an additional identity verification layer.
Sensitive card data is tokenized before storage. Actual card numbers are never stored in the system; tokens are used for back-referencing.
AI-powered fraud detection, velocity controls, blacklist/whitelist management and behavioral analysis.
Infrastructure focused on high performance and reliability
Uptime
High availability guarantee
Avg. Response Time
API response time
Integrations
Bank & PSP connections
Transaction Capacity
Monthly transaction capacity
Monitoring
Non-stop system monitoring
Integrate within minutes with our modern, RESTful API
Consistent and predictable API design with standard HTTP methods (GET, POST, PUT, DELETE). JSON request/response format.
Instant notifications on transaction status changes. Secure communication with HMAC-SHA256 signed webhooks.
Assign a unique idempotency key to each request to prevent the same transaction from being processed multiple times in case of network retries.
Detailed API documentation, code examples, SDKs and a test environment (sandbox) for quick integration.
const response = await fetch("https://api.onla.com.tr/v1/payments", {
method: "POST",
headers: {
"Authorization": "Bearer pk_live_...",
"Content-Type": "application/json",
"Idempotency-Key": "order_12345"
},
body: JSON.stringify({
amount: 1500.00,
currency: "TRY",
card: tokenizedCard,
installment: 3,
callbackUrl: "https://merchant.com/callback"
})
});
const data = await response.json();
// data.status: "APPROVED"
// data.transactionId: "txn_a1b2c3..."
// data.providerRef: "POS-78901234"Integrate our high-performance payment orchestration platform into your business