Payments that complete, reconcile and report.
AO integrates payment into the customer journey and into the business behind it: checkout, authorisation, settlement, refunds, reconciliation and reporting. A payment that succeeds at the gateway but not in finance is not a completed transaction.
What we're solving
- Checkout drops customers because the payment step is slow, unclear or fails on mobile.
- Payments succeed at the provider but do not match cleanly against orders in the ERP or finance system.
- Refunds, partial refunds and chargebacks are handled manually outside the platform.
- Failed and pending transactions are not surfaced, so nobody follows them up.
- Compliance and card-data handling responsibilities are unclear between the business and the provider.
How we deliver
AO integrates supported payment providers into web, commerce and application checkout flows, and connects the transaction lifecycle to orders and finance. We design the checkout experience for conversion, implement secure, provider-hosted or tokenised card handling to keep sensitive data out of scope where possible, and build the webhook, status, refund and reconciliation flows the finance team needs.
What you receive
Payment provider selection support and integration design
Checkout and payment experience design for conversion
Card, EFT, wallet and alternative payment method integration where supported
Tokenisation and provider-hosted payment flows
3-D Secure and authentication flow handling
Webhook, callback and transaction-status handling
Refunds, partial refunds, cancellations and chargeback flows
Order-to-payment reconciliation into ERP and finance
Failure handling, retry logic, alerting and monitoring
Payment reporting and performance analysis
Business outcomes
- 01Higher checkout completion through a faster, clearer payment experience.
- 02Transactions that reconcile against orders and finance records automatically.
- 03Refunds, failures and pending states handled in-platform rather than by email.
- 04Reduced compliance exposure through tokenised or provider-hosted card handling.
- 05Clear visibility of payment performance, failures and settlement.
Stack & partners
Payment does not end when the customer sees a success screen.
- Authorisation, capture and settlement states handled explicitly
- Webhooks reconciled against orders rather than trusted blindly
- Refunds and partial refunds handled inside the platform
- Failed and pending payments surfaced for follow-up
- Settlement and fee data made available to finance
- Monitoring and alerting on payment failure rates
Keep sensitive card data out of scope where possible.
AO favours tokenised and provider-hosted payment flows so that card data remains with the payment provider. Compliance obligations depend on your chosen provider, payment methods and integration model, and are confirmed with you and the provider during design.
Frequently asked
Which payment providers can AO integrate?
AO integrates supported payment providers, including Adumo Online, and can work with other providers that expose documented APIs. Provider selection depends on your market, settlement requirements, payment methods and commercial terms.
Does AO store card data?
AO designs integrations to keep card data out of your systems wherever possible, using tokenisation and provider-hosted payment flows so sensitive card handling remains with the payment provider.
Can AO integrate payments into an existing site?
Yes. Payment integration is frequently delivered on an existing website, commerce platform or application without a rebuild.
Does this include reconciliation?
Yes, where the provider and finance system expose the necessary data. Reconciliation between the payment provider, the order and the finance record is part of the design conversation from the start.
Can AO handle recurring or subscription billing?
Yes, where the selected payment provider supports recurring mandates or tokenised repeat charges.