Jirvs is a payment integration API and unified checkout SaaS for cross-border e-commerce and DTC merchants. Merchants connect acquirers with one-click authorization, and Jirvs automatically completes the API integration; funds are settled directly to merchants' own accounts by licensed payment institutions.

Different positioning: acquirers are the underlying fund settlement parties responsible for settling money to merchants; Jirvs is the upper-layer intelligent payment orchestration platform responsible for controlling fund flows and routing. Jirvs doesn't replace acquirers — it helps merchants connect and manage multiple institutions at once, enabling intelligent multi-channel routing.

E-wallet channels have high user recognition, specifically boosting front-end payment conversion and capturing e-wallet users; credit card acquiring channels cover major card networks, ideal for quick launch and product testing; multi-currency settlement channels have strong local clearing capabilities, supporting same-currency withdrawals and compliant FX settlement, saving merchants foreign exchange conversion fees.

The 80/20 rule: over 90% of cross-border merchants' transactions concentrate on major card networks and e-wallets, and the world's top acquirers already cover the vast majority of scenarios. Rather than maintaining dozens of niche gateways that process few transactions a year, we focus on making routing and risk distribution across top-tier channels best-in-class.

Three main dimensions: first, multi-channel intelligent routing improves success rates by automatically assigning the optimal channel based on buyer card type and region, reducing unreasonable declines and directly boosting conversion; second, zero-FX-loss settlement automatically routes foreign currency flows to same-currency withdrawal channels, avoiding the 1.5%-2.5% forced FX conversion fees of traditional gateways; third, anti-shutdown smooth distribution — when oneautomatically distributes when acquirer account volume approaches risk warning thresholds, preventing frozen funds from account shutdowns.

Take a DTC site with $100,000 monthly volume (1,000 orders, $100 average order value): Jirvs subscription costs $39.9/month (about $24.9/month on the annual plan); FX conversion fee savings (at 1.5%) ≈ $1,500; success rate improvement recovers 5% of failed orders, gaining approximately $5,000. Monthly cost $39.9, net benefit approximately $6,500.

Simpler. Jirvs provides a unified merchant dashboard that centralizes order flows, success rates and error reasons from all underlying channels in one place, eliminating the hassle of switching between multiple acquirer backends for reconciliation.

A payment integration API is a technical interface for connecting and consolidating different acquiring institutions. Jirvs provides a unified payment integration API, allowing merchants to connect supported acquirers through a single API without developing and maintaining separate interfaces for each institution.

Traditionally, connecting acquirers requires completing API development and testing, parameter configuration, key management and ongoing upgrades for each institution. Jirvs standardizes this process: merchants click authorize once in the merchant portal, and Jirvs automatically completes the connection with the acquirer, reducing duplicate development and ongoing maintenance.

First, register an account in the Jirvs merchant portal, then select the acquiring institutions to connect and complete one-click authorization; follow the page instructions to integrate the unified checkout into your website via plugin or JS code, and start accepting payments.

No. Jirvs is a purely technical non-custodial SaaS that never touches or withholds merchant funds. Buyer payments are settled directly to merchants' own accounts by licensed payment institutions.

Jirvs charges a subscription fee only: public pricing is USD $39.9/month or USD $299/year; with a valid referral code, USD $29.9/month or USD $199/year, with automatic renewal. Payment channel fees on merchant transactions are charged directly by the contracted acquirer at agreed rates — Jirvs takes no cut of transaction volume.

Multi-channel intelligent routing: Jirvs integrates with the world's top acquiring institutions. Merchants can connect with one-click authorization instead of relying on a single channel, and the system optimizes payment routes based on channel status and card characteristics. Currently supports international credit cards and local e-wallets in multiple countries.

Using a single acquirer has three major flaws: first, lost customers — buyers in different regions prefer different payment methods, and a single channel directly loses half your customers; second, single point of risk failure — if an account is shut down or funds frozen, the entire site's transactions drop to zero instantly; third, suboptimal costs — no single institution is cheapest in all scenarios. An integrated checkout putsputs multiple payment methods in one checkout, giving buyers more payment choices and merchants an extra layer of channel redundancy.

Not necessarily. Popular website builders can use ready-made plugins, or you can embed via lightweight scripts or RESTful API — timing depends on your site setup. Supported acquirers are integrated and maintained uniformly by Jirvs, so merchants don't need to develop separate interfaces for each.

Jirvs works with all types of websites, cross-border e-commerce DTC sites and SaaS applications. Merchants can choose ready-made plugins for popular website builders, lightweight JS integration code, or REST API based on their technical capabilities.