IXOPAY is an online payment orchestration platform that allows for greater flexibility and independence in the process of online payments. The entire transaction life cycle can be fully visualized using individually customizable technologies, including intelligent payment options for customers, an acquirer-agnostic PCI Vault, which supports smart routing, modular risk and fraud management, and centralized reporting, settlement, and reconciliation. IXOPAY, a PCI-certified payment orchestration platform that is highly scalable and customizable for white label clients as well as enterprise merchants, is the best-of-breed. Modern, extensible architecture allows for intelligent routing, cascading and state-of the-art risk management functions. Central reconciliation and settlements are also available. Plugin-based integration with acquirers and payments service providers is possible. Card vaulting that is fully PCI compliant, smart transaction routing and monitoring, reporting, post processing reconciliation and settlements.