The payments cloud
A gateway processes the transaction. Astra runs all of money movement.
A gateway processes the transaction and leaves the rest to you. Astra is the vertically integrated Payments Cloud that runs the money movement and everything around it, so you integrate against a finished platform instead of building one.
Build the entire infrastructure stack or build your product?
The visible price covers moving the transaction. Everything else you assemble yourself, and each piece is its own contract, integration, and point of failure, so the real cost lands long before your first payment. Astra runs both: the transaction and everything around it, on one platform.
Two ways to buy payments
A gateway and a Payments Cloud both process the transaction. Everything around it is where they diverge. Pick a question your team will hit in year one and compare the answers.
A finished platform. Ledgering, reconciliation, webhooks, and reporting are already live, so day one is integration, not construction.
A way to move a transaction. Ledgering, reconciliation, webhooks, and reporting are yours to build before the first payment clears.
It moves. Just-in-time funding means no pre-funded float, so your capital isn't locked up waiting.
It waits. Pre-funding float means money sits idle in an account before a customer ever sends a cent.
A setting you turn on. New rails and new products run on the same core and the same compliance you already cleared.
A new integration. Every rail is its own contract, its own build, and its own compliance review before you can launch.
The platform does. Identity, monitoring, and controls run inside Astra, so you answer from one system of record instead of a patchwork.
You do. KYC, KYB, AML monitoring, and audit evidence are programs your team builds, staffs, and defends.
The platform catches it. Retries, exceptions, and reconciliation run across every rail, against one shared record.
Whoever you put on call. Retries, exceptions, and reconciliation across every vendor land on the team you staffed to watch them.
As long as it takes to integrate one API. From there you run on a finished platform instead of maintaining one.
However long it takes to build the stack, then you run it indefinitely. The real cost lands after launch, not before.
Six questions. One integration answers all of them.
One foundation. Every capability.
A gateway is one capability. A Payments Cloud is many, organized around a single foundation and one shared record of every account, transaction, and event. Four layers carry a payment from start to finish. Hover or tap the wheel to explore each one.
Smart Execution
Authorization, settlement, and rail connectivity live here, where latency and reliability are decided. Every rail runs on one foundation: ACH, RTP, FedNow, Visa Direct, and Mastercard Move, executed in real time.
Authorization, settlement, and rail connectivity live here, where latency and reliability are decided. Every rail runs on one foundation: ACH, RTP, FedNow, Visa Direct, and Mastercard Move, executed in real time.
Intelligent Routing
Selects the optimal rail and path for every transaction, optimizing speed, cost, and success rate in real time rather than by static rules. Astra picks the rail, direction, and speed, so routing is handled instead of hand built.
Records which transaction is in what status, and when. Automated ledgering via API gives you a real-time ledger instead of a monthly manual close.
Manages the full lifecycle of a payment from initiation to completion. Astra picks rail, direction, and speed, then reports status automatically via webhooks.
Controls how and when funds actually clear. Flexible gross or net settlement, debit or credit, matched to your model rather than a one-size window.
Dynamic Controls
A programmable logic layer. Configure rules, limits, thresholds, and flows via API, adapted to your product rather than a shared configuration. A new use case is a setting, not a rebuild.
Configurable caps on how often and how much a user can process, set via API to match your program's risk profile.
Fraud controls tuned to your risk tolerance, with screening built into accelerated bank transfers to lower return risk before funds move.
Rules like sweeps, refills, recurring transfers, and roundups switch on as configuration. A new payment use case is a setting, not another engineering cycle.
Shared fraud screening across the network, plus configurable fraud controls, protect every transaction without a separate fraud engine to buy, integrate, and maintain.
KYC and KYB built in, or bring your own provider. AML screening comes included with the platform, not as another vendor to manage.
Cloud Services
The managed surface of the Payments Cloud. Monitoring, reporting, compliance tooling, developer APIs, and integrations, ready to use without building or maintaining them yourself.
Payment data unified on a common foundation gives you real visibility into volume, success rates, and routing performance across every rail.
Handles chargebacks and disputed transactions automatically, in one place rather than across a patchwork of vendor dashboards.
Screens activity for suspicious or non-compliant behavior. AML and transaction monitoring come included with the platform.
Just-in-time funding means no capital sitting as float. Daily net settlement, flexible funding sources, and treasury automation without staffing a desk.
A live dashboard and webhooks give you one place to see everything, from individual payment status to program-level activity.
Aligns transaction status across systems and accounts so the books match reality. Automated via API, with no manual monthly close.
Confirms an account is open and owned before funds move, reducing returns and fraud on bank transfers.
Authorizes card-based pay-ins and pay-outs in real time across Visa Direct and Mastercard Move, including push-to-card via OCT.
Verifies the identity of end users and businesses through built-in KYC and KYB, with the flexibility to bring your own provider.
Verifies users and sessions before money moves, handled by the platform instead of another system you build and maintain.
One integration, every team
Every team that touches money movement feels it
One decision. One integration. Every team is better off.
Engineering
One API integration handles the primitives. Engineering moves on to product work instead of rebuilding ledgering, webhooks, and reconciliation.
Finance & treasury
Automated reconciliation and a real-time ledger. Just-in-time funding frees the capital that used to sit as pre-funding float.
Risk & compliance
Screening, AML monitoring, and configurable velocity limits included, with flexible KYC and KYB, instead of building from scratch or managing another vendor.
Product
A new payment use case is configuration, not a new engineering cycle. Ship the flow instead of deprioritizing it.
Three ways to move money. One integration.
Your team integrates once. Every payment type after that is a setting you turn on, not a new build.
Push payouts to debit cards in seconds
Send funds to any US debit card over Visa Direct and Mastercard Move, with money available the moment it lands. Apply a transfer fee and payouts become a revenue line.
Fund accounts the moment users sign up
Pull money in instantly so the first deposit lands now, not in three to five business days. Activate users before the wait turns them into churn.
Run faster, lower-risk ACH
Same-day clearing and built-in screening on the rail you already use. Ship faster transfers and cut return risk without rebuilding a thing.
For developers
One API. Live in weeks.
Integrate once against a finished platform. One set of endpoints covers every rail, with ledgering, webhooks, idempotency, and reconciliation already built. Test in Sandbox, then move real money.
