Inyo

Inyo Gateway

Inyo Gateway is an API-first payment orchestration platform with a unified API for pull (collect) and push (payout) operations across multiple payment methods and providers, with direct Visa and Mastercard connections.

Capabilities

FeatureDescription
Card PaymentsAccept Visa, Mastercard, Amex, and Discover via tokenized card data
ACH TransfersPull funds from US bank accounts
International PayoutsPush to cards, bank accounts, PIX, and wallets in 165+ countries
3D SecureBuilt-in 3DS authentication with Cardinal
Smart RoutingAutomatic provider selection for optimal success rates
Fraud PreventionAVS, CVC verification, velocity controls, and built-in anti-fraud
Payment LinkRemote AFT collection via SMS or WhatsApp — money transfer, top-up, bill pay, prepaid, and wallets
MagicTerminalIn-person AFT collection with NFC tap-to-pay and manual card entry at agent locations

Documentation Guide

SectionWhat You'll Learn
Getting StartedQuick start guide with end-to-end payment example
AuthenticationOAuth 2.0 token flow
EnvironmentsSandbox and production URLs
Technical ResourcesAPI keys, rate limits, OpenAPI spec
APIsAll endpoints: tokenization, payments, capture, void, refund
WebhooksReal-time transaction notifications
Test DataSandbox cards and simulation codes
Mitigating FraudSecurity best practices
Payment LinkRemote AFT collection via SMS/WhatsApp payment links
MagicTerminalIn-person AFT collection with NFC and manual card entry
BackgroundArchitecture and infrastructure overview