Payment security
that just works.
Score every transaction, verify every card and stop fraud before it lands — through one friendly, well-documented API. Built for product teams who want safer payments without slowing down their checkout.
- Latency target
- < 80 ms
- Card networks
- All major
- Uptime SLO
- 99.9%
Engineering targets for the production API. Acquarium is a pre-launch product; published numbers are SLOs, not historical performance.
Acquarium is a software and risk-intelligence provider. We do not initiate, settle, hold or transmit payments — money movement is performed by our customers' regulated payment partners.
Built to the standards your acquirer reviews
- PCI DSS in scope
- ISO 27001 readiness
- SOC 2 roadmap
- GDPR by design
- 3-D Secure 2 EMV native
- PSD2 SCA exemption-aware
Acquarium is a pre-launch product. Accreditations marked "in scope", "readiness" or "roadmap" are targets we are actively working toward and have not yet been awarded by a certifying body.
Every approval, defended.
Acquarium turns each payment into a structured decision: a score, a list of signals and a recommended action. No black box, no “trust us”.
- Real-time scoring under 80 ms
- Explainable signals for every score
- Webhooks for slow-path signals (chargebacks, disputes)
Transaction · 4242 •• 4242
€1,249.00 · Apple Store DE
Risk score
12/100
Card check
Visa · Issuer DE
BIN valid · 3DS v2 ready
Device
Trusted · iOS
Returning customer
Velocity
2 in 24h
Within normal range
Signals
18 evaluated
Decision
Allow
Latency
62 ms
Card verified
Visa ·· 4242 passed every check — BIN valid, 3-D Secure v2 ready, issuer reachable, network token issued. Safe to charge.
- BIN
- Valid · Visa debit
- 3-D Secure
- v2 · frictionless
- Token
- Network · issued
- Latency
- 47 ms
One API. Two shipping products. More on the way.
Start with the building blocks every payments team needs: real-time risk scoring and reliable card verification. Bring the rest as we ship it.
Risk you can explain
Every score ships with the signals behind it — issuer reputation, velocity, device, geolocation, behavioural patterns. No black box.
Built for low latency
Sub-100 ms p95 from any region. Async webhooks for slow signals, sync API for the hot path.
Compliance-aware
PCI DSS in scope, GDPR-native data retention, audit logs out of the box. Designed alongside your AML/KYC stack.
One call, every signal.
Send us the payment, we send back a decision, a score and the reasons. Webhooks for long-running checks. SDKs for Node, Python, Go and Ruby.
- Idempotent endpoints, predictable error model
- Test keys, sandbox cards, replayable webhooks
- First-class typing — OpenAPI 3.1 schema published
// Score a payment in one call.const result = await acquarium.payments.score({ amount: 12490, currency: "EUR", card: { token: "tok_4242…" }, customer: { id: "cus_42", ip: "203.0.113.7" },}); // → { decision: "allow", riskScore: 12, signals: [...] }Ready to ship safer payments?
Get sandbox access in minutes and a tailored demo by the end of the week.