Use 0030 as your payment infrastructure with Penumbra's intelligent routing on top. RESTful APIs, webhooks, SDKs, and sandbox environments. Built for platforms running real volume.
Full transaction lifecycle: authorize, capture, void, refund. Tokenization for PCI scope reduction. Batch processing for high-volume platforms. JSON request/response format with comprehensive error handling.
Transaction status changes, funding events, chargeback alerts, merchant status updates. Subscribe to the events you need. Retry logic with exponential backoff built in.
Programmatic merchant boarding. Submit applications, upload documents, check status, and receive approval notifications via API. Board merchants without leaving your platform.
Test the complete integration before going live. Simulated transactions, test merchant accounts, and predictable test card numbers. Sandbox mirrors production behavior exactly.
Every transaction optimized in real time. Penumbra's 40+ AI agents analyze each transaction and route to the optimal processor for cost, approval probability, and speed. 12ms average decision latency.
Pull transaction data, volume metrics, effective rates, and settlement reports programmatically. Build custom dashboards or feed data into your existing analytics stack.