Card processors (PSPs)
Card acquiring through 7 integrated processors. Penumbra routes between them per-transaction.
0030Live
0030 Payments
AAG-owned acquiring brand. Primary route for boarded merchants once the sponsor relationship closes.
LiveStripe
Production-grade integration. Most-used in the routing engine's sample policies.
NMILive
NMI
Gateway path is the active sponsor route (NMI gateway, Talus sponsor). Outbound dispute submission live.
SandboxAdyen
Checkout API v71. Environment switch for test/live. Featured in routing engine sample policies. HMAC webhook verification.
WorldpaySandbox
Worldpay
Sandbox/production environment switch. Inbound dispute normalizer and outbound dispute submitter shipped 2026-05-28.
SandboxSquare
Three config keys wired, sandbox auth confirmed. Useful for vertical-SaaS merchants who already have a Square account.
Code completePayPal
OAuth2 plus Orders API complete against sandbox endpoint. Normalizer pending; live activation gated on normalizer ship.
Bank rails (ACH, FedNow, RTP)
Bank-to-bank movement for payouts, splits, and merchant settlement.
DwollaLive
Dwolla (Same-Day ACH)
Same-day ACH settlement through Dwolla's rail. Used for fast merchant payouts.
ACHLive
ACH Standard
Generic ACH path through the standard NACHA rail. 2-3 day settlement.
FedNowCode complete
FedNow
Federal Reserve real-time payment rail. Adapter exists; FedNow participant enrollment pending sponsor-bank relationship.
RTPCode complete
RTP (The Clearing House)
Adapter exists. The Clearing House RTP access gated on sponsor relationship.
Stablecoin settlement (USDC via Circle)
Five chains supported through Circle's USDC issuance. Merchants settle on whichever chain fits their treasury setup.
SandboxCircle (USDC issuer)
Circle issues USDC; the connector wraps their API. StablecoinSettlementService sits on top.
LivePolygon
USDC on Polygon PoS. Low gas, fast finality. Default chain for sub-$10k settlement.
LiveEthereum
USDC on Ethereum L1. Higher fees, maximum credibility for institutional treasuries.
LiveSolana
USDC on Solana. Sub-second finality, near-zero fees. Good fit for high-frequency micro-settlement.
BaseLive
Base
USDC on Base (Coinbase L2). EVM-compatible, low cost, good liquidity into fiat via Coinbase rails.
AvalancheLive
Avalanche
USDC on Avalanche C-Chain. Fast finality, EVM-compatible, good for cross-chain bridging.
Card networks
The brand networks the PSPs above settle through. Listed for completeness; Penumbra doesn't directly integrate with networks (PSPs do).
