Smart Checkout
Next-Generation Payment Solution for E-commerce
Increase conversion rates, reduce costs, and delight your customers with intelligent payment routing and local payment methods
What is Smart Checkout?
Smart Checkout is Manis's revolutionary hosted payment designed to maximize conversion rates while minimizing costs for e-commerce platforms. By combining intelligent payment routing, local payment methods, and stablecoin settlement, we help merchants and buyers save money while ensuring the highest payment success rates.
Perfect For
- ✓E-commerce platforms seeking to reduce payment costs
- ✓International merchants wanting to provide local payment methods
- ✓Businesses looking to pass transaction fees to buyers
Key Advantages
Smart Checkout transforms the payment experience for both merchants and customers through innovative features that reduce costs, increase flexibility, and boost success rates.
50+ Local Payment Methods
Accept Alipay, WeChat Pay, PayPal, Apple Pay, Google Pay, Kakao Pay, and 40+ more local payment methods across 150+ countries. Meet your customers where they are.
Stablecoin Payment & Settlement
Accept stablecoin payments and receive settlements in USDT, USDC, or other stablecoins. Eliminate FX risk, reduce settlement times, and enjoy lower transaction costs with crypto rails.
Buyer-Borne Fees
Pass transaction fees to buyers transparently, allowing buyers to choose the low-cost payment methods. Full disclosure at checkout.
Save Money for Everyone
Manis's PSP competitive bidding model offers better rates than traditional gateways or aggregators. Lower fees for merchants + convenience for buyers = win-win.
Simplified Infrastructure
One integration, unlimited payment methods. No need to manage multiple payment providers, reconciliation systems, or compliance requirements.
Smart Routing + Retry
Intelligent payment routing with automatic failover and retry mechanisms. Achieve up to 98.5% success rate through machine learning optimization.
Core Features
Intelligent Payment Routing
Our AI-powered routing engine maximizes success rates:
ML-Based Routing
Machine learning algorithms analyze 100+ factors to route each transaction to the optimal processor.
Auto Retry Logic
Failed transactions automatically retry through alternative routes with different parameters.
Real-Time Switching
Instant failover to backup processors if primary routes experience issues or downtime.
Performance Analytics
Continuous monitoring and optimization based on success rates, speed, and cost metrics.
Simplified Payment Infrastructure
Replace complex multi-provider setups with one elegant solution:
| Requirement | Traditional Setup | Smart Checkout |
|---|---|---|
| Payment Providers | 5-10 different providers | ✓One integration |
| Development Time | 4-8 weeks per provider | ✓1 week total |
| Maintenance | Multiple APIs to update | ✓Auto-updated |
| Reconciliation | Manual for each provider | ✓Unified dashboard |
| Compliance | Separate for each country | ✓Handled by Manis |
| Reporting | Multiple dashboards | ✓Single source of truth |
How It Works
Experience seamless payments in four simple steps:
Buyer selects items and proceeds to Manis Checkout
AI selects optimal payment method and processor
Transaction processed with auto-retry if needed
Funds settled to your account in stablecoin or fiat
Benefits Breakdown
For E-commerce Platforms
Lower Transaction Costs
Manis's PSP competitive bidding model drives down processing fees by 30-40% compared to traditional gateways.
Flexible Fee Structure
Pass fees to buyers or absorb them yourself. Save up to 40% on payment processing with transparent fee options.
Increase Conversion
Offer local payment methods that customers trust, increasing completion rates by 20-30%.
Global Expansion
Accept payments from 150+ countries without separate integrations or compliance work.
Simplified Operations
One dashboard, one API, one reconciliation process for all your payment needs.
Better Success Rates
Achieve 98.5% approval rates through intelligent routing and automatic retry logic.
For Buyers
Pay Their Way
Use their preferred payment method - Alipay, WeChat Pay, PayPal, or local options.
Trust & Security
Bank-level encryption, PCI DSS compliance, and fraud protection on every transaction.
Transparent Pricing
Clear breakdown of product price and fees - no hidden costs or surprises.
Fast Checkout
One-click payment with saved methods, mobile wallet integration, and instant confirmation.
Smart Checkout vs Payment Aggregator
| Feature | Payment Aggregator | Smart Checkout |
|---|---|---|
| Business Model | Closed, proprietary system | ✓Open PSP marketplace with competitive bidding |
| Payment Processing | Fixed acquirer, single-path routing | ✓Multi-PSP orchestration with smart routing |
| Cost Structure | Interchange + Scheme + Acquirer + Aggregator markup (2.5-4%) | ✓Dynamic PSP pricing, no aggregator markup (1.5-2.2%) |
| Pricing Optimization | Fixed rates per gateway | ✓Real-time PSP comparison & selection for lowest rates |
| FX & Settlement | Fixed FX spread (0.5-2% markup) | ✓Competitive FX rates across multiple PSPs |
| Stablecoin Settlement | Not supported | ✓USDT, USDC, BUSD, DAI support |
| Fee Pass-Through | Merchant absorbs all fees | ✓Flexible buyer fee options |
| Payment Methods | Limited by aggregator's network (5-10 methods) | ✓50+ methods via open PSP ecosystem |
| Intelligent Routing | Single-path or basic failover | ✓AI-powered multi-PSP routing with auto-retry |
| Success Rate | 85-92% | ✓98.5% (via optimized routing) |
| Scalability | Limited to aggregator's infrastructure | ✓Unlimited PSP ecosystem expansion |
| Integration | 4-8 weeks per provider | ✓1 week for all PSPs |
| Dashboard | Single aggregator view | ✓Unified multi-PSP analytics & control |
Case Study: Global E-commerce Platform
Challenge: Processing $50M annually across 30 countries with traditional aggregator at 2.9% average rate
Results with Manis Smart Checkout:
- ✓Reduced average processing rate from 2.9% to 1.8% through PSP marketplace optimization
- ✓Annual savings: $550,000 (from $1.45M to $900K in payment fees)
- ✓Conversion rate increased 16% by adding local payment methods (Alipay, WeChat Pay, Kakao Pay)
- ✓Payment success rate improved from 87% to 98.5% via intelligent routing
- ✓Settlement time reduced from T+7 to same-day with stablecoin option
Ready to Transform Your Checkout?
Join thousands of merchants who save money and delight customers with Smart Checkout