# Smart Checkout: Adaptive Hosted Payment Page Source: https://test-seo-payenteasy.pne.io/solutions/smart-checkout _Payneteasy Smart Checkout: a fully brandable hosted payment page that displays only relevant payment methods based on customer location. Cards, APMs, crypto — one adaptive form, 1000+ integrations._ One payment form that aggregates methods from all your PSPs. Customers see only options available in their region — cards, APMs, or crypto — fully branded as yours. Request a Demo ## One checkout form. Every payment method that matters. Powered by Payneteasy's PCI DSS Level 1 certified orchestration engine [1000+ Payment Methods](/payment-method) 200+ Countries Supported Geo-Smart Method Display Full White-Label Branding PSP-Agnostic Orchestration 99.96% Uptime ## How Geo-Smart Payment Routing Works ### Customer opens checkout When a buyer reaches your payment page, Smart Checkout detects their location and device attributes in real time. ### Routing engine filters methods The system cross-references the customer's geo with your active [payment routing configuration](/solutions/orchestration-payment-platform) — only methods available in that region, currency, and channel are selected. ### Adaptive form renders The checkout form displays a curated set of payment options: international cards, local APMs (PIX, iDEAL, UPI, M-Pesa), digital wallets, crypto, or bank transfers — whatever is relevant for that specific customer. ## Why PSP-agnostic checkout changes everything Unlike single-provider checkouts (Stripe, Adyen, Checkout.com), Smart Checkout aggregates methods from ALL your connected payment service providers into one unified form. - ### Single-Provider Checkout - ### Smart Checkout ### Traditional Single-Provider Checkout You're locked into one PSP's payment method catalog. - Limited to methods the PSP supports natively - Separate integration for each additional provider - Multiple checkout forms for different regions - No cross-provider failover or cascading ### Payneteasy Smart Checkout One form aggregates methods from every PSP you work with. - 1000+ methods from all connected providers, unified - Single API integration covers all current and future PSPs - One adaptive form for every market worldwide - Automatic failover: if PSP A declines, route to PSP B ## Local Payment Methods for Global Reach Smart Checkout dynamically adapts to each market. When a customer from the Netherlands opens your checkout, they see iDEAL. A customer in India sees UPI. A customer in Brazil sees PIX. All without you building separate integrations for each region. Swipe to see full map ## Every payment type in one form - ### Cards - ### Alternative Payment Methods - ### Crypto - ### Bank Transfers ### Cards - Visa, Mastercard, AMEX, UnionPay, JCB, Discover, Elo, and local card schemes - Smart routing across multiple acquirers for highest acceptance rates - Built-in [3-D Secure authentication](/solutions/3ds_adapter) with frictionless flow support - Tokenization for recurring payments and one-click checkout ### Alternative Payment Methods The checkout form automatically shows APMs relevant to each customer's location: - **Europe:** SEPA, iDEAL, Bancontact, Giropay, Przelewy24, MB Way, Trustly - **Latin America:** PIX, Boleto, OXXO, PSE, Webpay, Mercado Pago - **Asia-Pacific:** UPI, GCash, GrabPay, LINE Pay, KakaoPay, Alipay - **Africa:** M-Pesa, Airtel Money, MTN Mobile Money, Flutterwave - **Digital Wallets:** Apple Pay, Google Pay, Samsung Pay — where supported ### Cryptocurrency - Accept Bitcoin, Ethereum, USDT, USDC, and other major cryptocurrencies - Automatic fiat conversion with configurable exchange rate policies - QR code payment flow optimized for mobile wallets ### Bank Transfers & Wire Payments - Automated invoice generation for wire transfers - Real-time payment status tracking and reconciliation - Support for SWIFT, SEPA Credit Transfer, ACH, and local schemes ### Fully Branded Checkout Experience Your logo, your colors, your domain. Smart Checkout is a [white-label payment solution](/solutions/gateway) — customers interact with your brand, not ours. Customize every visual element: layout, fonts, button styles, and form fields. Deploy as embedded (no iframes, no redirects) or as a hosted page on your subdomain. See it in action ### Built for Conversion Every element of Smart Checkout is optimized to maximize payment completion. Intelligent method ordering shows the most popular option first. Remembered payment preferences speed up repeat purchases. Mobile-first responsive design ensures a seamless experience across all devices. Combined with [payment orchestration](/solutions/orchestration-payment-platform), failed transactions are automatically retried through alternative providers — increasing your overall acceptance rate without any customer friction. ### Enterprise-Grade Security Smart Checkout is built on Payneteasy's PCI DSS Level 1 certified infrastructure. Sensitive payment data never touches your servers — we handle tokenization, encryption, and secure transmission. Combined with 150+ anti-fraud filters and real-time risk scoring, your business and your customers are protected at every step. - PCI DSS Level 1 compliance — no SAQ burden for merchants - Built-in EMV 3DS 2.x with frictionless authentication - Real-time fraud detection with behavioral analysis - Ethoca & Verifi integration for chargeback prevention [Learn about security](/payment_technologies/risk_management_and_dispute_management_system) ## Simple integration, unlimited scale Connect once — access every payment method, every PSP, every market Single API Integration Add new PSPs without code changes New payment methods available instantly CMS plugins for popular platforms Sandbox environment for testing Dedicated support during integration ## Explore the Payneteasy platform [White Label Payment Gateway Offer your customers a top-level payment solution, increase your turnover and boost your business profit.](/solutions/gateway) [Tailor-Made Solutions Implement payment and card processing project of any complexity, using Payneteasy's supreme technologies.](/solutions/individual_solutions) [Fintegrate Only one integration to consolidate all your payment providers to a unified management system.](/solutions/orchestration-payment-platform) [Smart Checkout Adaptive hosted payment page with geo-smart routing. One form aggregates all payment methods from your connected PSPs — cards, APMs, crypto.](/solutions/smart-checkout)