VELA Unified Payments VELA® Payments is a unified payment solution which provides flexible APIs with secure access to payments, payouts, invoicing, auditing and much more. VELA® gives organizations the ability to control and centralize all payment gateways on one system, ensuring effective control and management of their payment processing business.



  • Comprehensive payment processing - credit/debit/ATM/prepaid cards, PayPal, Alipay, real-time bank transfer (eCheck/RTBT/EFT), pay by text, pay by email, push-through PDF, and more
  • Support for point-of-sale (POS), mobile POS (mPOS), and virtual (card not present) terminals
  • Single, recurring, split, and future-dated/scheduled payment processing
  • Express checkout payments
  • Full and partial payment authorizations, captures, and refunds
  • Mobile applications and support for Apple Pay™/Google Pay™
  • Dynamic Currency Conversion (DCC)
  • Batch processing for Captures and Refunds
  • Merchant & Company Gift Card Solutions
  • Level II and Level III Data Processing
  • Pre-Auth and Zero Amount Authorizations
  • Configurable settings for AVS (Address Verification Service) and CVV (Card Verification Value) checks
  • Auto Pay Option
  • Mobile payments through Venmo
  • Carrier billing support for payments
  • Efficient and configurable - easy to introduce new payment options
  • 3DES/AES-256 encryption for sensitive customer information
  • Fraud Prevention
    • Two-Factor Authentication (2FA) - Soft, hard, and mobile tokens
    • 3D Secure 2.0 (Verified by VISA, Mastercard ID Check, and more)
  • Secure customer data management
  • Guaranteed secure transaction delivery
  • Activity/transaction auditing, reporting and event logging
  • Payment tokenization/card storage
  • Email and/or SMS notifications and alerts
  • Fraud Management
    • By geolocation/country/region
    • By vertical (travel, digital, and retail)
    • By device type (browser, mobile, tablet, IOT)
    • By IP address
  • PCI DSS v3.2 and EU GDPR (European Union - General Data Protection Regulation) 2016/679 compliant
  • Vault for PayPal, VISA Checkout, and MasterPass credentials using OAuth 2.0
  • EMV Smart Card/NFC Contactless Support
  • QR Code Payments
  • "Blockchain" Technology
  • Shared Voice Wallet and Shared Digital Wallet (Multi-Merchant Program/Shopping)
  • Conversational Commerce
  • Healthcare Cards
  • Secure Remote Commerce (SRC)

Supported Payment Methods

Credit Cards

Visa Mastercard Maestro Discover American Express Diners Club JCB UATP

Debit & ATM Cards

Visa Debit Visa Electron Plus Interlink Mastercard Debit Cirrus NYCE Accel Star Pulse ATH Credit Union 24 Shazam Jeanie AFFN AllianceOne Allpoint CO-OP CU HERE Fastbank Interac Meta MetaBank MoneyPass N Presto Privileged Status Quest Sum The Exchange Alaska Option

Real-Time Banking / Electronic Bank Transfer

eCheck SOFORT Banking eNETS ING Home'Pay Nordea Ideal Giropay Aktia eCard Danske Bank POLi Bancontact Mister Cash

Healthcare (HSA, FSA, and HRA) Cards

Healthcare Cards

Asia Pacific (APAC)

China UnionPay NICOS RuPay Western Union

Latin America and the Caribbean (LAC)

Argencard Aura Cabal Carnet Carte Bancaire ELO Hipercard Italcred Naranja Nativa Pago Fácil PagoMisCuentas PymeNación Rapipago Tarjeta Shopping

3D Secure

Verified by Visa Mastercard ID Check American Express SafeKey Diners Club ProtectBuy JCB J/Secure ELO Compra Segura China UnionPay

Mobile/Other Pays

Google Pay Apple Pay Samsung Pay PayPal PayPal Credit Venmo Alipay WebMoney paysafecard Pay with Points Pay with Bitcoin Skrill Yandex Money Przelewy24 EPS Ukash Klarna Tenpay Konbini Gift Cards

Express Checkout

Visa Checkout Mastercard Masterpass American Express Express Checkout PayPal Checkout Amazon Pay

RFID & NFC Cards

Visa payWave Mastercard PayPass American Express ExpressPay Discover Zip

Petroleum / Fleet Cards

Voyager WEX


Amazon Alexa Google Home Facebook Messenger WewChat Pay
  1. Some of these cards support only PIN-based or PINless options, whereas some support both.
  2. VISA Electron is a debit card available across most of the world with the exception of Canada, Australia, Ireland, and the United States.
  3. ELO's 3D Secure version is ELO Compra Segura (Secure Shopping), which is offering consumer authentication for merchants accepting credit and debit cards for eCommerce in Brazil.
  4. Samsung Pay is only supported on POS terminals (NFC, magnetic stripe, and EMV) for chip-based cards.





Credit, debit, prepaid, and ATM cards
PayPal & PayPal Credit
Domestic real-time bank transfer (eCheck/RTBT/EFT)
POS and Virtual (card-not-present) Terminals
Recurring Payments
Email and/or SMS notifications and alerts
Batch processing for Auths, Captures, and Refunds
Payment Tokenization/Card Storage
Standard Application Support
Fraud Management
Split payments
Express checkout (VISA Checkout, AMEX Express Checkout, and more)
Two-Factor Authentication (2FA) - Soft, hard, and mobile tokens
Future-dated payments
Mobile Apps (iOS and Android)
mPOS Terminal
Advanced Application Support
Integratable custom features
PIN-based debit
3D Secure 2.0 (Verified by VISA, Mastercard ID Secure, and more)
International payment methods (cards, eCheck/RTBT/EFT, Alipay, and more)
Dynamic Currency Conversion (DCC)
Apple Pay™/Google Pay™ support
Pay-by-text, pay-by-email, push-through PDF
Gift Cards
Pay with Bitcoin
Pay with Amazon Alexa

Reseller Program

Interested in reselling VELA products? If so, please call us at +1-678-740-0263 or email us at


Download VELA Payments Product Brochure Download VELA Multi-Currency Processing Brochure