VELA Unified Payments VELA™ is a unified payment solution which provides flexible APIs with secure access to payments, payouts, loyalty, 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), 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 payment processing
  • Express checkout payments
  • Mobile payments through Venmo
  • Carrier billing support for payments
  • Full and partial payment authorizations, captures, and refunds
  • Mobile applications and support for Apple Pay™/Android Pay™
  • Dynamic Currency Conversion (DCC)
  • Offline transaction batch file submissions
  • Merchant & Company Gift Card Solutions
  • Level II and Level III Data Processing
  • IVR/over-the-phone payments
  • Pre-Auth and Zero Amount Authorizations
  • Configurable settings for AVS (Address Verification Service) and CVV (Card Verification Value) checks
  • Auto Pay Option
  • 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 (Verified by VISA, Mastercard SecureCode, and more) - supports 3DS 2.0 specifications.
  • Secure customer data management
  • Guaranteed secure transaction delivery
  • Activity/transaction auditing and reporting
  • Payment tokenization
  • 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

Loyalty / "Pay with Points"

  • Fully-configurable rules engine based on various factors like
    • Product
    • Tier Levels
    • Date and Time Period
    • Amount/Dollar Value Range
    • Type of Channel (eCommerce, mobile, IOT)
    • Quantity and more
  • Full and partial transactions capability on Capture, Sale, and Refunds
  • Buy, gift, or transfer points
  • Donate points
  • Two-factor authentication for additional user security
  • Email and/or SMS notifications and alerts
  • Independently integratable with the third-party application without payments module purchase
  • Cross-brand rewards program (e.g., points-to-miles or miles-to-points)
  • Buy Gift Cards/eGift using Points
  • Use Points feature allow customers to pay balances, travel, merchandise and more
  • Pool points


  • Payouts to users, vendors, distributors, etc.
    • International wire transfer
    • PayPal
    • Standalone credit (credit card or eCheck)

Supported Payment Methods

Credit Cards

Visa Mastercard Maestro Discover American Express Diners Club JCB UATP

Debit & ATM Cards1

Visa Debit Visa Electron2 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

Latin America and the Caribbean (LAC) and Asia Pacific (APAC)

Argencard Aura Bancontact Mister Cash Cabal Carte Bancaire Consumax ELO Hipercard Italcred Naranja Nativa Pago Fácil PagoMisCuentas PymeNación Rapipago Tarjeta Shopping China UnionPay NICOS RuPay Western Union

3D Secure

Verified by Visa Mastercard SecureCode American Express SafeKey Diners Club ProtectBuy JCB J/Secure ELO Compra Segura3 China UnionPay

Mobile/Other Pays

Android Pay Apple Pay Samsung Pay4 PayPal PayPal Credit Venmo Alipay WebMoney paysafecard Pay with Points

Express Checkout

Visa Checkout Mastercard Masterpass American Express Express Checkout PayPal Checkout Buy with Google Amazon Pay

RFID & NFC Cards

Visa payWave Mastercard PayPass American Express ExpressPay Discover Zip


Pay with Bitcoin Interactive Voice Response (IVR)
  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)
POS and Virtual Terminal
Single and recurring payments
Email and/or SMS notifications and alerts
Standard Application Support
Offline batch file submission
Payment Tokenization
Advanced Application Support
Fraud Management
Split payments
Express checkout
(VISA Checkout, AMEX Express Checkout, and more)
2-Factor Authentication
(soft/hard/mobile tokens)
Future-dated payments
Mobile Apps (iOS and Android)
mPOS Terminal
ONEui with unlimited customization
Integratable custom features
PIN-based debit
3D Secure
(Verified by VISA, Mastercard SecureCode, and more)
International payment methods
(cards, eCheck/RTBT, Alipay, and more)
IVR/over-the-phone payments
Loyalty Rewards/"Pay with Points"
Dynamic Currency Conversion (DCC)
Apple Pay™/Android Pay™ support
Pay-by-text, pay-by-email, push-through PDF
Gift Cards
Pay with Bitcoin

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