Payments Overview

Vrio's payment processing system is designed to scale with your business, from simple single-merchant setups to sophisticated multi-processor routing strategies. Whether you're just starting out or processing high volumes, the platform gives you complete control over how payments are processed, which merchants handle your transactions, and how to optimize for maximum approval rates and redundancy.

At its core, payment processing in Vrio is flexible: every campaign can be configured with either a Single Merchant (one payment processor handles all transactions) or a Payment Router (intelligent system that automatically selects from multiple payment processors based on your rules). You can override these settings at any time via the API, giving you complete control over every transaction.

Before you begin: You'll need to set up at least one merchant account to process payments.

Three Ways to Control Payment Processing

1. Campaign Configuration: Single Merchant

What it is: All transactions process through one specific merchant account (payment gateway).

How it works:

Campaign configured with specific merchant account
All transactions use that merchant
Uses merchant's default currency (can be overridden via API)
No routing logic applied

Best for:

Simple payment needs
Single currency operations
One trusted payment processor
Lower transaction volumes
Straightforward business models

Learn more: Single Merchant Setup →

2. Campaign Configuration: Payment Router

What it is: Intelligent system that automatically selects which merchant account to use for each transaction from multiple configured options.

How it works:

Campaign configured with payment router
Router evaluates rules and selects optimal merchant per transaction
Uses router's default currency (can be overridden via API)
Only merchants supporting the router's currency can be added
Advanced routing rules and logic applied

Best for:

Need redundancy/failover protection
Multiple currencies
High transaction volumes
Complex routing requirements
Optimizing approval rates
Item-based or customer-based routing needs

Learn more: Payment Router Setup →

3. API Override: Full Control

What it is: Regardless of your campaign configuration, you can override everything via the API by passing merchant_id currency_id route_id parameters.

Why use it:

Testing specific merchant configurations
Handling special customer scenarios
Processing in non-default currencies
Custom routing logic in your application

Learn more: API Overrides →