Astra provides a unified payments API that enables fintech, marketplace, and SaaS product teams to embed instant bank‑account and card transfers. The platform handles user onboarding, compliance checks, fraud detection, and chargeback management through a single integration, removing the need for custom payment middleware and prefunding balances. It scales for high‑throughput transactions while maintaining security and regulatory standards.
Funding
Funding not disclosed
Founders
Product
Problem
Product teams building fintech or marketplace applications must develop and maintain extensive payment middleware—including bank‑account linking, card transfers, compliance checks, fraud monitoring, and chargeback handling—which is time‑consuming, costly, and prone to regulatory risk.
Solution
Astra offers a unified payments API that lets developers embed instant bank‑account and card transfers directly into their applications. The platform automates the entire payment lifecycle: from user onboarding and account linking to real‑time transaction execution, compliance verification, fraud detection, and chargeback resolution. By exposing a single integration point and handling the underlying financial plumbing, Astra eliminates the need for custom middleware and reduces time‑to‑market. The service scales to high‑throughput workloads while maintaining security and regulatory standards, enabling businesses to process payments reliably without prefunding balances.
Features
- RESTful API for initiating and tracking instant transfers between bank accounts and cards
- SDKs for rapid collection of user authorizations and secure credential handling
- Built‑in compliance engine supporting KYC/AML checks and regulatory reporting
- Real‑time fraud detection module with risk scoring and automated transaction blocking
- Automated chargeback management workflow with dispute resolution tools
- No‑prefunding architecture that leverages linked funding sources on demand
- Scalable cloud infrastructure optimized for high transaction throughput and low latency
- Webhook and dashboard notifications for payment status, failures, and reconciliation events