Smart Payments

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Aria’s Smart Payments platform has been built to deliver a streamlined payment processor integration for clients to allow their customers to access a state-of-the-art feature set and perform a wide variety of payment-related transactions.

The following payment gateways have been integrated onto the Smart Payments platform:

Adyen
Adyen Smart Payments is a payment processing solution integrated into Aria's billing system. It allows clients to accept various payment methods including credit cards, debit cards, wire transfers, and real-time online bank transfers. Key features include tokenization, credit and debit card processing, 3DS Secure 1.0/2.0, refunds, fraud scoring, webhook/event notifications, U.S. ACH Direct Debit, Level 2/3 Data, soft descriptor, CVV/AVS controls, and digital payment methods like Apple Pay.
Braintree
Braintree Smart Payments is an integration within Aria Billing Cloud that allows clients to accept various payment methods through Braintree, a USA-based payments company. Key features include tokenization, credit and debit card processing (Visa and Mastercard), 3DS Secure 1.0/2.0, refunds, fraud scoring, and webhook/event notifications. Aria's Braintree Smart Payments integration offers enhanced functionalities such as fraud feature support for Payment Gateways and Collection Account Groups.
Buckaroo
Buckaroo Smart Payments is an enhanced integration within Aria Billing Cloud that includes support for Tokenized Credit Cards (Visa, Mastercard, American Express) with actions like Payment, Authorization, Authorize_3DS, Capture, Reversal, and Refund (full and partial). Buckaroo Smart Payments also supports SEPA tokenized payments, where the token is created immediately during the online payment flow, bypassing the need for initial Direct Debit mandate approval.
Chase Paymentech
Chase Paymentech is integrated into Aria's Smart Payments; basic features include credit card and tokenized credit card online payments for VISA, Mastercard, and American Express. Advanced features support Level 2 and Level 3 payment data, Automated Clearing House (ACH) online payments for the U.S. and Canada, Single Euro Payments Area (SEPA) direct debit online payments, and Bankers' Automated Clearing Services (BACS) direct debit online payments (Chase also supports Apple Pay payments).
Evertec
Evertec Smart Payments integration in Aria Billing Cloud offers clients a robust payment gateway solution. This integration supports multiple payment methods including Credit Card, Electronic Check (ACH), Tokenized Credit Card, Tokenized ACH Payment, and ATH (A Toda Hora). Key features include tokenization, credit and debit card processing, 3DS Secure 1.0/2.0, multi-language support, refunds, fraud scoring, and transaction logging. Currently, USD is the only supported currency for Evertec.
PayPal
PayPal operates in countries supporting online money transfers as an electronic alternative to paper payments such as checks and money orders. PayPal's Smart Payments integration includes Credit Card and Tokenized Credit Card pay methods, including authorization, capture, partial and full refunds, and reversals for Visa, Mastercard, American Express, Discover, Maestro, and Diners Club International. All payment actions are supported through the Aria UI and selected APIs.
Stripe
Stripe is a financial infrastructure platform and payment processing company integrated into Aria's Smart Payments. It supports various financial operations and allows businesses to build financial technology solutions. Stripe enables businesses to accept payments online and in person via token-based integration; Stripe also manages financial operations and embeds banking services into their platform, handling banking regulations, compliance, and regulatory requirements.
Worldline (formerly Ingenico)
Worldline Smart Payments is an integration within Aria Billing Cloud that allows clients to process payments using Worldline's payment gateway. This integration supports various payment methods including Credit Cards, Tokenized Credit Cards, BACS Direct Debit, SEPA Direct Debit, and Apple Pay. Key features include tokenization, credit and debit card processing, 3DS Secure, refunds, recurring transaction indicators, fraud scoring, and webhook notifications for transaction status changes.
Worldpay
Worldpay Smart Payments in Aria Billing Cloud offers a range of features including tokenization, credit card processing, recurring transaction indicators, fraud scoring, webhook/event notifications, minimal authorizations, U.S. ACH Direct Debit, E.U. SEPA Direct Debit, soft descriptors, and digital payment methods like Apple Pay. Worldpay supports capture and payment for credit cards, cancel authorization, and query tokenization for tokenized credit cards.