AI Smart Gateway

Every payment, the smartest way.

WayMind is smart payment processing through one gateway. Connect once, and our AI routes every transaction to the processor most likely to approve it, at the lowest cost.

Talk to our team See how it works

Visa credit, $42.80 sent to Worldpay highest approval odds

One gateway. Every processor. The smartest route.

Most gateways send every payment down the same pipe. WayMind is already connected to the processors North American merchants rely on, and its AI chooses where each payment should go based on what actually happens to payments like it.

Global Payments
Worldpay
Worldpay Express
Fiserv
Elavon
and more

AI smart routing

Each transaction is scored on approval likelihood, cost and response time, then sent to the processor that wins on what you care about most.

Automatic failover

If a processor slows down or goes offline, payments move to the next best route on their own. Your counter keeps taking cards.

Your data, kept in the US

Merchant and transaction data is stored in the United States, and you can access and export it whenever you need to.

How a payment moves through WayMind

From tap to settlement, in the time it takes a customer to put their card away.

AcceptedThe terminal or app sends the payment to WayMind once, through one integration.
ScoredWe check card type, amount, merchant and live processor health.
RoutedThe payment goes to the processor most likely to approve it at the best cost.
AuthorizedThe answer comes back to the terminal. A decline can retry on another route.
SettledFunds settle and every step is recorded in one report you can reconcile.

Built for every counter

WayMind started in restaurants, where every second at the table counts. The same routing works anywhere cards are taken.

Restaurants and cafés
Quick service
Retail
Hospitality
Kiosks and unattended
Services and appointments
Software platforms

One integration, every processor

Connect once. Add, swap or rebalance processors without touching your code again.

REST API with clear, predictable responses
Works with smart terminals and card-present flows
Routing rules you can set per merchant or per location
Sandbox for testing before you go live

# Create a payment and let WayMind choose the route
POST /v1/payments

{
  "amount": 4280,
  "currency": "usd",
  "merchant_id": "mch_7Q2...",
  "routing": {
    "mode": "auto",
    "optimize_for": "approval_rate"
  }
}

# Response
{
  "status": "approved",
  "routed_to": "worldpay",
  "reason": "highest_approval_odds"
}

Tell us how you take payments today.

We're onboarding merchants and partners across the United States, Canada and Mexico. Send us a note and we'll show you what WayMind would change.

Email hello@waymind.io Become a partner

Visa
Mastercard
American Express
Discover
UnionPay
Fiserv
Worldpay
Global Payments
Elavon