Justifi provides a payment‑orchestration platform that consolidates connections to multiple PSPs and acquiring banks behind a single API layer. The system routes transactions in real time using configurable rules, normalizes settlement data for automated reconciliation, and includes built‑in KYC/AML and tax compliance modules with audit‑ready reporting. It is aimed at high‑volume merchants, marketplaces, and fintech platforms needing a unified integration point for global payments.
Funding
$10M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Enterprises that process large volumes of transactions must integrate with multiple payment service providers (PSPs) and acquiring banks, which creates fragmented workflows, manual reconciliation, and heightened compliance risk. Maintaining separate connections and reporting pipelines increases operational overhead and slows time‑to‑market for new payment methods or regions.
Solution
Justifi delivers a unified payment‑orchestration platform that abstracts the underlying PSP and bank network behind a single, API‑first integration layer. The system routes transactions in real time based on configurable rules (e.g., cost, latency, geographic coverage) and automatically normalizes settlement data for end‑to‑end reconciliation. Built‑in compliance modules enforce KYC, AML, and tax regulations across jurisdictions, while a centralized reporting engine generates audit‑ready statements and dashboards. Developers can connect to ERP, accounting, or fraud‑management tools via REST/GraphQL endpoints and webhook callbacks, eliminating the need for point‑to‑point integrations. The platform scales horizontally to support high‑throughput volumes and provides SLA‑backed uptime with full transaction traceability.
Target Audience
The primary customers are high‑volume merchants, marketplaces, and fintech platforms that require a single integration point to manage global payment acceptance and disbursement across multiple PSPs and banks.
Features
- API gateway with rule‑based routing engine that selects optimal PSP or acquiring bank per transaction
- Automated reconciliation engine that consolidates multi‑PSP settlement files into a normalized ledger
- Compliance suite supporting KYC, AML, VAT/GST, and regional tax calculations with real‑time validation
- Unified reporting dashboard and exportable CSV/JSON feeds for finance, audit, and analytics teams
- Tokenization and end‑to‑end encryption to secure cardholder data in transit and at rest (PCI‑DSS Level 1)
- Webhook and event streaming (Kafka/SSE) for instant transaction status updates to downstream systems
- Multi‑currency support with automatic FX conversion and settlement reporting
- SDKs for Java, Node.js, Python, and .NET plus OpenAPI specification for rapid integration