Hanzo Payments: Unified Payment Processing for Global Commerce

Payments should be invisible. The customer clicks "buy," the money moves, the order ships. In practice, payment processing is a maze of processors, gateways, currencies, compliance requirements, and failure modes that consume engineering time disproportionate to the problem.

Today we are launching Hanzo Payments: unified payment processing that handles the complexity so you do not have to.

The Problem We Solved

Our commerce customers were managing two to five payment processors simultaneously. One for credit cards in the US. Another for European SEPA transfers. A third for cryptocurrency. Each with its own API, webhook format, reconciliation process, and failure mode.

Hanzo Payments provides a single integration point for all of them.

What's Included

Intelligent Routing

Payments route automatically to the optimal processor based on:

• Card network and issuing bank
• Customer geography
• Transaction amount
• Processor availability and success rates
• Cost optimization

The routing engine learns from every transaction. Success rates improve over time without manual intervention.

Multi-Currency

Accept payment in 135 currencies. Settle in your preferred currency. Exchange rates locked at transaction time — no surprise FX adjustments.

Fraud Detection

ML-powered fraud detection integrated at the transaction level:

• Real-time risk scoring on every transaction
• Configurable rules engine for business-specific logic
• 3D Secure integration for high-risk transactions
• Chargeback management and dispute handling

Subscriptions

Recurring billing built in:

• Flexible billing intervals
• Prorated upgrades and downgrades
• Dunning management for failed payments
• Usage-based billing support

Card data

Your servers never touch raw card data — tokenization happens at our edge before data reaches your systems. That is the part that matters architecturally, and it holds whatever your own PCI scope turns out to be.

PCI DSS programs are scoped per enterprise engagement and available on request — contact sales.

Pricing

• Transaction fee: 2.9% + $0.30 per successful charge
• No monthly fees: Pay only for what you process
• Volume discounts: Custom rates above $100K/month

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Zach Kelling is the founder of Hanzo Industries (Techstars '17).