The HENKERR Platform
Five integrated systems working in concert to maximize approval rates, minimize fraud, and settle instantly.
Intelligent Routing
Every transaction is routed through the optimal path across our multi-acquirer network.
Cascade Routing
Multi-acquirer cascade across redundant banking rails. Transactions automatically retry through alternative routes on decline.
Dynamic MID Selection
BIN-level, geography-based, and card-type routing rules. Every transaction is routed to the optimal MID for maximum approval.
Automatic Failover
Configurable retry logic with exponential backoff. If an acquirer goes down, traffic shifts instantly to healthy endpoints.
35% Recovery Rate
On cascade-eligible declines, our routing engine recovers 35% of transactions that would otherwise be lost.
Fraud Prevention
8 specialized analyzers working in parallel to score every transaction in under 50ms.
Velocity Analyzer
Rate limiting on card, IP, device, and email. Detects rapid-fire testing patterns and blocks BIN attacks in real time.
Device Fingerprint
Browser and device fingerprinting identifies returning fraudsters even when they change cards or identities.
Geo Analyzer
IP geolocation cross-referenced with BIN country and billing address. Flags mismatches and proxy/VPN usage.
ML Risk Scoring
Machine learning model trained on billions of transactions. Scores 0-1000 with configurable accept/review/decline thresholds.
Pre-Dispute Alerts
Ethoca and Verifi integration intercepts chargebacks before they hit your account. Automatic refund on confirmed fraud.
BIN Attack Detection
Real-time monitoring for card testing patterns. Automatic IP blocking and velocity throttling when attacks are detected.
Settlement Engine
Transparent, human-gated settlements with instant crypto payouts.
USDT Settlement
Instant settlement via TRON (low fees), ETH (high security), or Polygon (fast confirmation). Choose your preferred chain.
Human-Gated Approval
Every settlement passes through a human approval pipeline. No automated payouts without explicit authorization.
Reserve Management
Vertical-specific reserves: iGaming 15%, Forex 15%, Crypto 12%. Transparent calculation with real-time visibility.
Bank Reconciliation
Automated matching of acquirer settlements with transaction records. Daily reconciliation reports with discrepancy alerts.
Merchant Dashboard
Real-time visibility into every aspect of your payment operations.
Conversion Analytics
Real-time approval rates, decline reasons, and conversion funnels. Filter by merchant, MID, acquirer, BIN, and geography.
Decline Intelligence
AI-powered analysis of decline patterns with actionable recommendations. Identifies routing opportunities to recover revenue.
Merchant Health Score
Per-merchant scoring based on approval rates, CBR, fraud rates, and processing volume. Early warning system for at-risk accounts.
CBR Monitoring
Real-time chargeback ratio tracking against Visa and Mastercard scheme thresholds. Automatic alerts at 0.65% and 0.9%.
Developer API
Clean, well-documented APIs designed for fast integration.
RESTful S2S API
Clean server-to-server API with comprehensive documentation. JSON request/response format with clear error codes.
Webhook Delivery
Event-driven notifications with configurable retry logic and circuit breaker. Guaranteed delivery with dead letter queue.
Idempotency Support
Built-in idempotency keys prevent duplicate processing. Safe to retry any request without risk of double-charging.
Sandbox Environment
Full-featured test environment with simulated acquirer responses. Test every scenario before going live.