Not a PSP — the layer on top of every PSP

Payments that work for you, not against you.

Yova Pay is the merchant-facing control layer sitting on top of licensed payment providers — one dashboard to create payments, track status, fraud detection, smart routing and run the admin around them, without touching regulated money movement.

Software-first payment collection, with PSP-backed processing underneath.
The problem

Small merchants carry payment complexity that isn't theirs to carry.

A large, fragmented base of small and solo businesses is stuck with hardware dependency, opaque fees, and dashboards that don't talk to each other. Yova Pay will carry the payment complexity so the merchant can focus on their growth and business.

01

Limited control

Payment holds, blocked accounts or delayed payouts can hit cash flow with no warning.

02

Poor support

When something goes wrong, merchants struggle to reach anyone who can actually fix it.

03

Disproportionate complexity

Terminals, dashboards, fees and admin requirements that outgrow what a small operation needs.

04

Cost sensitivity

Every euro of platform or accountant cost is felt directly — there's little room for waste.

How it works

Yova Pay sits in the middle — the PSP still does the regulated work.

Funds never pass through a Yova Pay account. Yova Pay creates the request and shows the status; the licensed PSP handles authentication and settlement.

Merchant
Creates a request
→
YOVA
QR / link + status
→
Licensed PSP
Checkout + auth
→
Bank / network
Approval + settlement
Design principle: Yova Pay is built as a control and dashboard layer, not as the money-moving entity — keeping regulated payment functions with licensed PSPs.
Division of labor

One integration for the merchant. The PSP keeps doing what it's licensed to do.

What Yova Pay does

  • One integration to create payment requests
  • QR codes and shareable payment links
  • Real-time status across every transaction
  • Staff accounts, receipts and exports
  • Plain-language explanations when payments fail
  • Fraud detection

What the PSP does

  • Payment processing and authentication
  • Settlement to the merchant's account
  • Payment-method approval
  • Risk assessment, KYC and compliance checks
  • Regulated payment services
Product

A single view across every payment, every status, every PSP.

Illustrative preview — merchants get one dashboard instead of toggling between provider portals.

Today's overview
Sales today
€1,240
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Café De Molen — €14.50
Complete
Market stall #4 — €32.00
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Studio Noor — €89.00
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