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Enterprise card processing. Connected payment infrastructure.

Bring authorization, authentication, capture, and payment performance into one flow.

Learn moreSee a demo ›
Illustrative checkout with card, wallet, bank and crypto options
  • Bitunix
  • Blofin
  • PackDrawPackDraw
  • Leveledup TradersLeveled Up Traders
  • Roobet
  • MundPay
  • Fulfillment Pros
  • Crush Research
  • Betonline.ag
  • Cornerstone ATS
  • PackDraw
  • Leveled Up Traders

Your card volume shouldn’t disappear into a black box.

See the decisions and context behind every card payment.

Every basis point has a reason.

See where payments succeed, where they fail, and what happens between intent and authorization.

Explore the fit ›
Illustrative transaction list with payment methods and statuses
Illustrative payment verification and authorization flow

See the decision. Control what follows.

Keep authorization connected to authentication, customer context, capture, and the events that follow.

Challenge the transaction. Not every customer.

Apply supported 3D Secure flows where needed. Keep the outcome attached to the payment.

Illustrative transaction status and intelligence cards
“We needed more than payment processing. We needed a team that understood fraud prevention, chargeback management, and how those decisions affect the customer experience. Acru helped us bring those pieces together and stayed involved through implementation. That depth of support was missing from our previous provider.”
Wellington Vicente

WellingtonFounder, MundPay

“With our previous provider, every question started with a support ticket. With Acru, we have direct access to people who know our business and take ownership of the next steps.”
Fulfillment Pros

GilFounder, Fulfillment Pros

“Acru offered more competitive processing rates without compromising on service. Their team walked us through the pricing clearly, giving us a better understanding of our costs as we grow.”
LeveledUp Traders

DanCPO, LeveledUp Traders

“We needed room to scale without processing caps holding us back. Acru helped us establish a setup that supports our volume and gave us confidence to plan for continued growth.”

MikaelCFO, Solstice

“Adding alternative payment methods through Acru helped us serve customers who prefer options beyond traditional cards. We could offer more choice through a consistent checkout experience, without managing a separate integration for every method.”
Bitunix

RobinHead of Payment Acquisition, Bitunix

From payment complete
to money in motion.

Follow into balances, settlement, payouts, and supported
money movement. All connected to the transaction that started it.

Learn more

Frequently
asked questions

Authorization is the issuer’s approval to reserve funds. Capture submits the approved amount for collection. Settlement is when the resulting funds become available under your agreement. An approved payment is not yet an available balance.

Separate authorization and capture can fit businesses that confirm stock or delivery before charging. The capture window and any amount changes depend on the card network and your approved setup. An expired authorization may require a new approval.

Insufficient funds, expired details, issuer restrictions, and authentication failures can all cause declines. Review the returned reason before deciding whether to request another method or correct the details. Repeatedly retrying the same decline is not a reliable recovery strategy.

Not necessarily. Some authentication flows complete without a visible challenge; others ask the customer to verify with their issuer. The outcome depends on the transaction, issuer, regional requirements, and approved authentication configuration.

No. Before capture, a cancellation may release the authorization. After capture, returning funds generally requires a refund. The customer’s bank controls when the release or refund appears on their account.

Treat saved-card migration as a separate workstream. Token portability depends on the current provider, receiving provider, and security requirements. Confirm whether a secure provider-to-provider transfer is possible before planning a switch; do not export raw card data yourself.

Authorization is a decision. Capture is a strategy.

Separate authorization from capture when your approved payment flow calls for it.

See a demo
Acru

More possibility.
Less between you and it.

Accept payments

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Move money

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  • Risk overview
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  • Global payroll

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