The payment gateway
built for what's next

Onboard merchants without forcing them to re-integrate. Connect new providers without waiting on your dev backlog. Operate it all through a conversational interface.

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Reverse-compatible APIs

Switch providers.
Keep your code.

Miracle Gateway wraps provider-specific APIs into a compatibility layer. Your merchants keep their existing integration — they just change the endpoint to your PSP. We handle the rest.

Merchants migrate by changing one URL — zero code rewrite
Acquire merchants from competing PSPs without integration friction
Compatible with any existing provider API format

merchant_integration.ts

// Merchant's current integration (unchanged)

const charge = gateway.process({

amount: 4200,

currency: "EUR",

host: "old_provider_api_url",

});

// Migrate to your PSP — merchant changes one line

const charge = gateway.process({

amount: 4200,

currency: "EUR",

host: "your-psp.miracle.gateway/api"// ← only change

});

// Miracle handles compatibility — routes to new provider

// via the merchant's existing API format

Conversational operations

Run your gateway
with words.

Create merchants, configure routing, pull reports, and debug transactions through a conversational interface. No overloaded dashboards — just tell it what you need.

Natural language commands for any operation
Context-aware, auditable responses
From merchant onboarding to decline analysis

operations terminal

Create merchant "NordPay" and connect to primary acquirer

✓ Merchant created. Primary acquirer connected with live credentials. Smart routing enabled.

What's the decline rate in Germany this week?

2.8% (↓ 0.4% vs last week). Primary reason: 3DS authentication timeout. Recommendation: enable frictionless 3DS for low-risk transactions.

Ask anything about your gateway...

Ledger & reconciliation

Know where every
dollar is. Always.

A real-time ledger that tracks liabilities, receivables, and settlements across every provider. Reconciliation isn't an afterthought — it's the foundation.

Multi-provider automated reconciliation
Discrepancy detection in real time
Commission tracking across partners

reconciliation dashboard

Owed to Merchants

$823,400

94% settled on time

Owed by Acquirers

$865,120

$749K received · $116K pending

Net position (spread)

+$41,720 ~5.1%

Settlement Status

1 delayed

Acquirer A — $512K batchsettled T+1

Acquirer B — $237K batchdue tomorrow

Acquirer C — $116K batchoverdue 2 days

Agentic commerce ready

Ready for Agentic payments

AI agents are beginning to negotiate prices, initiate purchases, and settle transactions autonomously. Your payment infrastructure needs to speak their language.

Agent

AI initiates purchase request

Gateway

Validates, routes, processes

Provider

Executes transaction

Ledger

Records & reconciles

agent transaction log

Agent → Process $4,200 to supplier_id:vnd_847, optimize for cost, EUR

Gateway → Routed via Provider B (lowest FX spread). 340ms. Settlement T+1.

Ledger → Recorded. Liability matched. Commission $12.60 allocated.

Supported protocols

ACP

Agentic Commerce Protocol

OpenAI + Stripe. Checkout via chat agents, SPT-tokens, MCP as transport layer.

UCP

Universal Commerce Protocol

Google + Shopify. Full commerce flow, Google Pay integration, handoff to Google UI.

Visa TAP

Visa Token & Agent Platform

Visa. Agent verification (RFC 9421), consumer recognition, encrypted payment container.

AP2

Agent Payment Protocol

Google + 131 partners. Mandates (Cart / Intent / Payment), VDC, dispute resolution.

A2A

Agent-to-Agent Protocol

Google. Agent-to-agent communication — not tools, but negotiations between agents.

MCP

Model Context Protocol

Anthropic. Agent-to-tool connectivity, used as transport layer for ACP and other protocols.

ACP

Agentic Commerce Protocol

OpenAI + Stripe. Checkout via chat agents, SPT-tokens, MCP as transport layer.

UCP

Universal Commerce Protocol

Google + Shopify. Full commerce flow, Google Pay integration, handoff to Google UI.

Visa TAP

Visa Token & Agent Platform

Visa. Agent verification (RFC 9421), consumer recognition, encrypted payment container.

AP2

Agent Payment Protocol

Google + 131 partners. Mandates (Cart / Intent / Payment), VDC, dispute resolution.

A2A

Agent-to-Agent Protocol

Google. Agent-to-agent communication — not tools, but negotiations between agents.

MCP

Model Context Protocol

Anthropic. Agent-to-tool connectivity, used as transport layer for ACP and other protocols.

Platform capabilities

Everything else you need

Routing & cascading

Route to the best provider per transaction. Failover and cascading.

Security-first

PCI DSS, ISO 27001, SOC 2 compliant. Built for regulatory requirements.

Real-time analytics

Live dashboards and exportable reports for ops, finance, and compliance teams.

Multi-provider & multi-currency

Connect any PSPs, acquirers, and payment methods.

Payment widget

Hosted checkout. Embed payment flows without custom frontend.

Anti-fraud basics

Whitelists, blacklists, velocity limits. Behavioral signals and rule-based risk controls.

Use cases

Built for teams that move money

PSPs & PayFacs

Unify provider connections, automate merchant onboarding, and gain real-time settlement visibility.

Payment brands

Expand to new geographies without rebuilding your stack. Plug in local providers through universal APIs.

Fintech operators

Focus engineering on your product, not on maintaining provider integrations and reconciliation scripts.

Merchant aggregators

Scale your portfolio without scaling your ops team. Automate onboarding, routing, and financial reporting.

Pricing

Pay for what you use.
Scale without friction.

Transaction-based pricing with AI features billed as tokens. No idle charges.

Per-transaction pricing — you pay based on actual processing volume
AI-powered features billed via tokens — adapters, intelligent routing, custom reports
Volume tiers that lower your per-unit cost as you scale
No surprise invoices — transparent usage dashboard in real time

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FAQ

Common questions

How do my existing merchants migrate to our new platform?

That's the core value. Miracle Gateway exposes reverse-compatible APIs that match your merchants' existing integrations — whether they were connected to your old software or a competing provider. Your merchants don't need to rewrite their code. They point to the new endpoint and keep working.

Can we attract merchants from competing PSPs without an integration barrier?

Yes. If a merchant is currently on another PSP's gateway, Miracle Gateway adapts to the API they already use. This removes the biggest blocker in merchant acquisition — the cost and risk of re-integration.

How long does it take for us as a PSP to launch on Miracle Gateway?

Platform setup typically takes 2–4 weeks depending on the number of acquirers and payment methods. Your merchants can start connecting immediately after — with zero integration work on their side.

What happens as our transaction volume grows?

Your per-unit cost decreases. Miracle Gateway uses volume tiers — the more you process, the lower the rate. Transitions between tiers are automatic with no service interruption.

Is our merchants' transaction data safe?

Yes. Infrastructure is PCI DSS compliant, data is encrypted at rest and in transit, and all operations — including conversational commands — produce fully auditable, immutable logs.

Do you offer SLA guarantees?

Yes. Enterprise plans include uptime SLAs, priority support channels, and dedicated onboarding assistance. Contact sales for details on SLA terms.

Ready to upgrade your
payment infrastructure?

Talk to our team about how Miracle Gateway can simplify your operations and prepare your platform for what's coming next.