— ZENTRA · DECISION LAYER FOR PAYMENTS

Adecisionlayerformodernpayments.

Route every A2A transaction through the optimal provider — pre-execution, sub-100ms, neutral across TrueLayer, Tink, Volt, GoCardless, Devengo and more.

+5–10pp acceptance20–80% lower processing costProvider-neutral

Read the integration brief→Talk to our engineering team

— THE WEDGE

The opportunity is not new rails — it is better decisioning across the ones that already exist.

6 rails, 1 decision · sub-100ms · provider-neutral · no settlement transfer

— THE SOLUTION

Payment Decision Layer

01Success Probability
02Cost
03Latency
04Policy Rules
05Intelligent retry across alternative paths on failure

Initial focus: multi-provider A2A routing and intelligent retry — orchestrating across Open Banking, SEPA Instant, Faster Payments, and licensed payment institutions like Devengo. Performance gains are immediate, measurable, and aligned with the EU Instant Payments Regulation tailwind.

— HOW IT WORKS

Mechanics.

Input Layer

· Transaction data
· Routing rules
· Real-time performance signals

Decision Engine

· Rules-based routing (MVP)
· Cost optimisation
· Path scoring

Execution Layer

· Dispatch via selected path
· Sub-100ms decisioning
· Connector abstraction

Recovery Layer

· Intelligent retry
· Alternative route fallback
· Idempotency controls

Control & Audit

· Full traceability
· Monitoring & alerts
· Reconciliation

— INTEGRATION

Embedded in existing flows.

Merchant

↓

Checkout / Platform

↓

Zentra

↓

A2A Provider (TrueLayer / Tink / Volt / Devengo / GoCardless)

↓

Payer's Bank

↓

Beneficiary's Bank

01
The merchant or platform remains the system of record.
no_data_ownership_transfer · no_settlement_change
02
Zentra enhances execution by selecting the optimal A2A provider and rail per transaction.
sub_100ms · idempotent · connector_abstracted
03
We extend A2A capabilities — we don't replace providers.
provider_neutral · pass-through_economics_for_partners

— INTEGRATION SURFACE · ILLUSTRATIVEvisual representation

POST /v1/decisions
{
  "transaction": { "amount": 24800, "currency": "EUR", "type": "A2A" },
  "constraints": { "max_latency_ms": 100, "policy": "cost_optimised" }
}
→ {
  "route": "SEPA_INSTANT",
  "provider": "devengo",
  "p_success": 0.97,
  "expected_cost_bps": 4,
  "decision_id": "dcn_01HX..."
}

— OPERATIONAL SPEC

The boring stuff your engineers will ask about.

Latency budget

p99 < 100ms

Decisioning runs in-line with the request. If we exceed budget, the connector falls through to its default route.

Failure mode

Open-circuit

If Zentra is unavailable, your existing routing continues unchanged. We are additive, never blocking.

Data boundary

Decision metadata only

Transaction amount, currency, rail, BIN range, success/failure outcome. No PII, no card numbers, no settlement data.

Regulated entity

Not a PI / EMI

Zentra is a decisioning layer. Money movement remains with your licensed A2A providers. No funds touch our balance sheet.

Rail coverage at launch

UK + EU A2A

Open Banking (UK), SEPA Instant, Iberpay direct via Devengo. Card-fallback orchestration in next phase.

Shadow mode

Available pre-commit

Run Zentra in observe-only mode alongside your existing routing for 30 days. Compare outcomes before any production cutover.

— MARKET LANDSCAPE

Market landscape & positioning.

Merchants

initiate transactions

Checkout / Platforms

StripeAdyenCheckout.comShopify

Zentra — Decision Layer

A2A Providers

TrueLayerTinkVoltGoCardlessYapilyTokenDevengo

Banks & Payment Systems

IberpayPay.UK Faster PaymentsSEPA InstantBACS

— OUR POSITION

Cross-provider, not provider-native
Pre-execution, not post-failure
Failure-aware retry
PSD2 / Open Banking from day one
Sits alongside, no re-platforming

— ECONOMIC IMPACT

Model the uplift on your portfolio.

Annual A2A volume£500M

Average transaction size£80

Current A2A success rate88%

Expected success-rate uplift5pp

Card alternative cost2%

Additional successful A2A transactions / year

312,500

Volume recovered to A2A

£25,000,000

Card-fee savings to merchant

£325,000

Failed-payment recovery cost saving

£40,000

Total annual value created

£365,000

Value captured by Zentra · £73,000 – £109,500 (20–30% share)

— VALUE

Value by customer.

A2A Providers

Add 4–6 percentage points of acceptance without onboarding another scheme partner
Offer clients neutral multi-provider failover as a differentiator, not a roadmap item
Reduce concentration risk on any single bank connection
We sit behind your brand — pass-through economics, no disintermediation

PSPs

A2A optimisation as a feature you can ship in weeks, not quarters
Differentiate against scheme-locked competitors at the routing layer
Stop being tied to one A2A integration — route across several
Settlement and merchant relationships remain yours; we never touch them

Merchants & Platforms

Higher A2A acceptance against your current provider mix
Lower blended payment cost vs cards on substituted volume
Active-active failover across A2A providers, not just within one
No re-platforming — sit alongside your existing checkout

typical_impact: +5–10pp A2A acceptance · 20–80% lower processing cost · zero settlement disruption

— TRUST & COMPLIANCE

Built for regulated markets.

Full Audit Trail

Complete traceability.

Every routing decision is recorded with full context. Immutable logs.

Policy-Driven Controls

Configurable & versioned.

Routing behaviour governed by configurable rules. Decisions are explainable, versioned, auditable.

Regulatory Alignment

FCA · PRA · DORA.

Designed to satisfy FCA, PRA, DORA. Structured programme toward SOC 2 Type II, ISO 27001, PCI DSS scope.

High Availability

99.99% target.

Active-active deployment with tested DR and documented RTO/RPO.

— COMMERCIAL MODEL

Partnership commercials.

PERFORMANCE-LINKED

Savings Share

A percentage of verified cost savings generated for the client. Priced against measurable, auditable value. Partners retain majority economics.

VOLUME-SCALED

Per-Transaction Fee

A small fee on every transaction routed. Scales with adoption. Pass-through economics preserved for upstream providers.

RECURRING

Enterprise Contracts

Annual contracts for A2A providers, PSPs, and large merchants requiring guaranteed SLAs, dedicated infrastructure, premium support, and compliance reporting.

— PARTNERSHIP

Three ways to work with Zentra.

For A2A Providers

Become a routable connector. Expand effective bank coverage and reduce concentration risk for your clients without lifting the orchestration layer in-house.

Open a connector conversation →

For PSPs

Embed Zentra's decision layer behind your existing offering. Differentiate on routing intelligence without building it from scratch.

Discuss embedded integration →

For Merchants & Platforms

Maximise A2A success rates and minimise cost across your existing providers. No re-platforming.

Request a pilot conversation →

partnerships@zentra.io