Payment Optimization

Control Your PSPs & Start Optimizing Your Payments

Own your data and your payment experience by choosing the fastest, most cost-effective, most reliable PSP to process each transaction using the VGS platform and API.

Integrate any payment service provider or payment gateways in any locale once to get all the features and payment methods you need.

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Own your data

Own your data and use it for what you need

With VGS, you own and control your data - not your service provider. Use the data for product innovation, targeted & segmented marketing, reduce fraud, and more.

Payment Transformation
Avoid vendor lock-in, increase ROI

Avoid vendor lock-in, increase ROI

Minimize transaction costs by routing payments to the best gateways based on the payment attributes. Switch or add providers with the optimal rates, availability, and market reach. Lower integration & operational costs.

Core Payment Strategy
Deliver a better experience

Deliver a better experience, maximize revenue

Offer a tailored checkout experience. Improve experiences with fewer false positive declines, higher service availability, and higher auth rates (up to 3%+).

Card Account Lifecycle Management
SOC 2 audit in weeks

Balance, acceptance, cost, fraud

Business outcome experimentation lets you balance acceptance, cost, and acceptable tolerance for fraud when you own your data.

Own Your Data

How it works

Payment Optimization & Orchestration

Orchestrate the routing of your payment card transactions across multiple payment processors based on factors such as network scheme, geography, issuer, card type or transaction amount.

  • Choose Best Price
  • Increase Approval for High Dollar Transaction
  • Accept High Risk Transaction
  • Accept International/Cross Border
  • Increase Approval for Low Dollar Transaction

Product Spotlight

Universal Checkout

Deliver a great checkout experience for your customers without compromising on features or functionality. Provide customers a unified experience you control across your digital channels. Choose either a customized universal checkout you host or a ready to go hosted checkout with VGS.


Customize your checkout to match your (or your customers) brand’s look, tone, and feel.

Simple Setup

Easy integration with your app. Embed in your web or mobile apps. White label developer experience that your partners can then use.


Use any provider, optimization of payments. Works with 120+ gateways.


VGS protects and manages your sensitive data.

Customized Forms

Design your own Payments Form using our form builder. It’s easy to customize your integration and brand UI components so you can have a uniform experience across platforms and devices.

Select a payment method:

Or pay with card

Card Details

Name on Card

Joe Business

Card Number

4111 1111 1111 1111

Expiration Date

01 / 22

Security Code


const app = document.getElementById("app");
checkout.mount(app, {
theme: {
colors: {
ctaButtonBg: " #CC00FF ",
placeholder: "#a9a9a9",
input: "black",
label: "black",
border: "black",
shadows: {
inputBorder: "0 0 0 1px black",
inputBorderActive: "0 0 0 1px #ff9800
0px 0px 6px rgba(255, 125, 0, 0.4)",
submitActive: "0px 24px 12px -16px,
rgba(255, 125, 0)",

or Hosted Payment Pages

Save time on integration by sending customers to a payments page hosted by us.
Item being purchased


Name on Card

Joe Business

Card Number

1234 1234 1234 1234

Expiration Date

01 / 22

Security Code





San Diego

Zip Code


Pay $56.90


Unique Capabilities

Card Account Lifecycle Management

Card Account Lifecycle Management

Never worry about managing data across your payment service providers (PSP). No matter what level of support your PSP provides for managing card data, VGS provides the most current card data. Choose from issuer supplied Network Tokens, PARs, PSP specific tokens and VGS Aliases for maximum portability. Native Account Updater support keeps the newest card on file. VGS’ proprietary Adaptive Updater will update cards that are not subscribed to any existing lifecycle management technology.

  • Most current card data
  • 3 levels of service
  • Highest level of fidelity
  • Eliminate redundancy across multiple PSPs
Learn More
Fraud, Experimentation, and Reporting

Fraud, Experimentation, and Reporting

Because you’re not locked into one PSP and you own all of your data, VGS allows you to experiment with balancing increasing payment acceptance or reducing costs incurred from fraud. You also get a single consistent location where you can report on transactions and use this information to achieve your desired outcome.

  • Balance acceptance and risk
  • Single location for transaction reporting
  • Leverage data for business outcomes
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“When we discuss pricing or contracts with our partners, it’s invaluable to have the flexibility VGS’s infrastructure provides in selecting which processors we use. VGS is one of the only platforms I know that can do this – and there isn't a stronger engineering or security team out there!”

Read Case Study

Matt Doka
Head of Business
Development & CTO