--- title: Payment Processing Platform Features | Inovio description: Integrated payment solutions including security, risk management, multi-currency, white label API, and more. --- [![Inovio logo](https://www.inoviopay.com/hubfs/inovio-logo-footer.png)](https://www.inoviopay.com/) - [Payment](https://www.inoviopay.com/payment) - [![International Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/international-ico.webp) International Go global with secure payment acceptance for virtually every currency. ](https://www.inoviopay.com/payment/international) - [![Web3 Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/web3-ico.webp) Web3 Experience the future of payments as blockchain technology meets our next-level software development. ](https://www.inoviopay.com/payment/web3) - [![Payment Gateway Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/payment-gateway-ico.webp) Payment Gateway Access a flexible payment gateway that’s secure and scalable. ](https://www.inoviopay.com/payment/payment-gateway-open-api) - [![Hosted Checkout Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/hosted-checkout-ico.webp) Hosted Checkout Let us host your checkout page for you — one that blends seamlessly with your website. ](https://www.inoviopay.com/payment/hosted-checkout) - [![Recurring Subscription Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/recurring-subscription-ico.webp) Recurring Subscription Streamline your checkout with solutions for recurring and subscription-based payments. ](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/features) - [![Security Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/security-ico.webp) Security Get peace of mind with support for 3-D Secure, certified P2PE, PCI compliance, and more. ](https://www.inoviopay.com/features/security) - [![Risk management Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/risk-management-ico.webp) Risk management Reduce fraud, minimize chargebacks, create whitelists and blacklists, and more. ](https://www.inoviopay.com/features/risk-management) - [![Reporting Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/reporting-ico.webp) Reporting Create customizable, actionable reports to track your sales, inventory, and more. ](https://www.inoviopay.com/features/reporting) - [![Integrations Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/third-party-integrations-ico.webp) Integrations Enjoy seamless integration with leading third-party payment and CRM solutions. ](https://www.inoviopay.com/features/third-party-integrations) - [![White Label API Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/flexible-white-label-api-ico.webp) White Label API Integrate custom-branded payment processing into your app, platform, or website. ](https://www.inoviopay.com/features/flexible-white-label-api) - [![Authorization Optimization Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/authorization-optimization-ico.webp) Authorization Optimization Increase approvals with Transaction Recycling and Intelligent Transaction Routing. ](https://www.inoviopay.com/features/authorization-optimization) - [![Multi-Currency Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/multi-currency-ico.webp) Multi-Currency Accept your international customers’ local currencies while getting paid in yours. ](https://www.inoviopay.com/features/multi-currency) - [![Fraud Reduction Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/fraud-reduction-ico.webp) Fraud Reduction Reduce fraud while protecting sensitive cardholder data and your profits. ](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/industries) - [![Retail Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/retail-ico-1.webp) Retail Optimize your retail business’ payments and operations. ](https://www.inoviopay.com/industries/retail) - [![High risk Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/high-risk-ico.webp) High Risk Enjoy high approval rates for merchants in hard-to-place categories. ](https://www.inoviopay.com/industries/high-risk) - [![Medicinal Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/medicinal-ico.webp) Medicinal Let us simplify your payments so you can focus on your patients. ](https://www.inoviopay.com/industries/medicinal) - [![SaaS Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/saas-ico.webp) SaaS Automate recurring billing/subscription management through your software. ](https://www.inoviopay.com/industries/saas) - [![Education Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/education-ico.webp) Education Streamline tuition collection for your school or educational program. ](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/features#) - [![Contact Us Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/contact-us-ico.png) Contact Us Get in touch with Inovio. ](https://www.inoviopay.com/features#) - [![Partners Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/partners-ico.png) Partners Experience the flexibility of our partnership programs. ](https://www.inoviopay.com/partners) - [![About Us Icon](https://www.inoviopay.com/hubfs/Inovio/about-ico.png) About Us Discover the industry’s most intelligent global payment platform and gateway. ](https://www.inoviopay.com/about) - [![Blog Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/blog-ico.png) Blog Get all the latest payment technology tips and trends with Inovio Insights. ](https://www.inoviopay.com/blog) - [System Status ](https://paymentshub.statuspage.io) - [North.com ](https://north.com) - Get Started - [Payment](https://www.inoviopay.com/features#) - [←](https://www.inoviopay.com/features#) - [Payment](https://www.inoviopay.com/payment) - [International](https://www.inoviopay.com/payment/international) - [Web3](https://www.inoviopay.com/payment/web3) - [Payment Gateway](https://www.inoviopay.com/payment/payment-gateway-open-api) - [Hosted Checkout](https://www.inoviopay.com/payment/hosted-checkout) - [Recurring Subscription](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/features#) - [←](https://www.inoviopay.com/features#) - [Features](https://www.inoviopay.com/features) - [Security](https://www.inoviopay.com/features/security) - [Risk Management](https://www.inoviopay.com/features/risk-management) - [Reporting](https://www.inoviopay.com/features/reporting) - [Integrations](https://www.inoviopay.com/features/third-party-integrations) - [White Label API](https://www.inoviopay.com/features/flexible-white-label-api) - [Authorization Optimization](https://www.inoviopay.com/features/authorization-optimization) - [Multi-Currency](https://www.inoviopay.com/features/multi-currency) - [Fraud](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/features#) - [←](https://www.inoviopay.com/features#) - [Industries](https://www.inoviopay.com/industries) - [Retail](https://www.inoviopay.com/industries/retail) - [High Risk](https://www.inoviopay.com/industries/high-risk) - [Medicinal](https://www.inoviopay.com/industries/medicinal) - [SaaS](https://www.inoviopay.com/industries/saas) - [Education](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/features#) - [←](https://www.inoviopay.com/features#) - [Contact Us](https://www.inoviopay.com/features#) - [About Us](https://www.inoviopay.com/about) - [Blog](https://www.inoviopay.com/blog) - [Partners](https://www.inoviopay.com/partners) - [System Status](https://paymentshub.statuspage.io) - [North.com](https://north.com) ![Inovio logo](https://www.inoviopay.com/hubfs/Group%2029234.png) - Close We're here to help! If you’ve made it this far, you’re the smart and savvy type we love doing business with. Contact us by calling [866-267-2246](tel:8662672246), emailing [info@inoviopay.com](mailto:info@inoviopay.com?subject=InovioPay.com%20Contact%20Form), or filling out the form. [Home](https://www.inoviopay.com/) › Features ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img1.webp?width=429&height=479&name=features_img1.webp) Ironclad Security. Let us safeguard sensitive cardholder data to protect your business from reputational and financial damage. How? Certified, point-to-point encryption. Plus, support for 3-D Secure payments like Verified by Visa and Mastercard SecureCode. Not to mention, simplified PCI compliance featuring breach forgiveness for qualified merchants. [Explore       ›](https://www.inoviopay.com/features/security) Robust Risk Management. Protect your profits with the latest in Authorization Optimation. Inovio helps ecommerce merchants mitigate and manage chargebacks with our proprietary Fraudcast tool. All while creating whitelists to identify safe customers and blacklists for unsafe customers. [Explore       ›](https://www.inoviopay.com/features/risk-management) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img2.webp?width=429&height=479&name=features_img2.webp) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img3.webp?width=429&height=479&name=features_img3.webp) Custom Reporting. Enjoy anytime access to a comprehensive suite of real-time transaction reporting and business intelligence tools in our merchant portal. Gain valuable insights into customer behavior, account performance, and daily, weekly, monthly, or yearly trends. Integrate into your own reporting application with our flexible API, or export to third-party solutions in multiple formats, including CSV, PDF, HTML, and XML. [Explore       ›](https://www.inoviopay.com/features/reporting) Seamless Integrations. Take advantage of easy-to-use plug-ins for all the leading third-party shopping carts that integrate seamlessly with the Inovio payment gateway. Simplify your online checkout with proven industry leaders like WooCommerce, OS Commerce, Magento, PrestaShop, Opencart, Zencart, and more. [Explore       ›](https://www.inoviopay.com/features/third-party-integrations) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img4.webp?width=429&height=479&name=features_img4.webp) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img5.webp?width=429&height=479&name=features_img5.webp) Maximum Flexibility. Get to know the industry’s most intelligent global payment platform and gateway — one that works for any business, in any industry, from any bank source, with any endpoint. You can customize it to your heart’s content, including full white labeling through our easy-to-use API. [Explore       ›](https://www.inoviopay.com/features/flexible-white-label-api) Payment Optimization. Increase your approval rates with tools like Intelligent Transaction Routing, which directs each individual transaction to the acquiring bank most likely to approve it. We also offer tools for subscription-based payments like Transaction Recycling and Auto Account Updater that help reduce both hard and soft declines. [Explore       ›](https://www.inoviopay.com/features/authorization-optimization) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img6.webp?width=429&height=479&name=features_img6.webp) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img7.webp?width=429&height=479&name=features_img7.webp) Multi-Currency Conversion. Charge customers in their currency while getting paid in yours. With Inovio’s innovative Multi-Currency Conversion, you can set your website’s pricing in up to 179 different currencies. All while leveraging exchange rates and foreign exchange market conversions that we update daily, eliminating the need for manual conversions. Accepting international payments doesn’t get any easier than this. [Explore       ›](https://www.inoviopay.com/features/multi-currency) Advanced Fraud Detection. Prevent fraud before it occurs with our real-time, Risk Monitoring System, which analyzes customer, transaction, and affiliate data to identify suspicious activity and protect your business’s reputation. We offer powerful reporting tools, blacklisting, and front-end security layers to bolster the best fraud mitigation in the business. [Explore       ›](https://www.inoviopay.com/features/fraud-reduction) ![features_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/features_img8.webp?width=429&height=479&name=features_img8.webp) ```json { "@context" : "http://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : { "@id" : "https://www.inoviopay.com", "name" : "Home" }, "position" : 1 } ] } ```