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Payment intelligence for businesses

See all payments across every gateway and know your next steps

Fusion unifies your gateways and bank into one view, simplifies your inquiries, and manages follow-ups, from recovering failed payments to collections, all through a single integration.

See: Card declines rose 18% on Tuesday. All of it came from one gateway, between 14:00 and 16:30. Act: Retry links sent to 31 customers whose payments failed. 12 have paid already. Collect: One checkout, four gateways. Each payment goes to the rail most likely to succeed.

Fusion Intelligence

See what's really happening

Every transaction, fee, refund and settlement from every gateway, reconciled into one table you can search in seconds. Then ask Fusion why the numbers look the way they do.

app.usefusion.com / payments / today
adaeze@any reference, email, amount or last four digits⌘K
Sample payments from multiple gateways
TimeGatewayCustomerReferenceAmountStatus
09:42Paystackadaeze@lumen.ngPS-7Q2K…41₦48,500.00Settled
09:40Moniepointt.okafor@…MP-AX19…08₦250,000.00Settled
09:37Flutterwaveadaeze@lumen.ngFLW-91B…2C₦12,000.00Declined · 51
09:26Paystackchidi@…PS-M2V8…19₦6,750.00Settled
09:31Interswitchbola.a@…ISW-0K3…77₦1,120,000.00Pending
09:26Paystackchidi@…PS-M2V8…19₦6,750.00Settled
09:19Flutterwaven.eze@…FLW-4RT…A0₦89,000.00Short ₦184,200

Connect more than
gateways.

Bring in the data that sits beside your payments and Fusion answers across all of it.

  • Paystack
  • Flutterwave
  • CRM
  • Moniepoint
  • Loan book
  • Bank statements
  • Vogue Pay
  • Orders
  • OPay
  • Bookings
  • Interswitch
  • Support tickets

Fusion Playbook

Coming soon

Act on it without lifting a finger.

Describe what you want to happen in plain words. Fusion turns it into a workflow you can read, edit and switch on. It runs on the same data Intelligence already sees.

  • Fusion AISends a retry link by email within minutes
  • Fusion AIMatches it to the order and emails the customer a receipt.
  • Fusion AISpots the gap in their usual pattern and sends a friendly check-in.
  • Fusion AIFinds the missing amount and hands finance the evidence.
  • Fusion AIGathers the evidence and assigns an owner before the deadline.
  • Fusion AIReminds the borrower, and alerts collections if it stays unpaid.
app.usefusion.com / playbook / new

Retry Link Workflow

When a payment fails or a checkout is abandoned, Fusion AI sends a retry link by email within minutes.

Trigger

Payment failed or checkout abandoned

When a payment fails or a checkout is abandoned for any order.

AI action

Generate retry link

Fusion AI detects the failure or abandonment and prepares a retry link.

Send email

Send retry link to customer

Send the retry link by email within minutes.

End

Workflow Complete

The customer receives the retry link.

100%

Ask Fusionwhich customers stopped paying this quarter?then turn the answer into a workflowwith one click →

Fusion Pay

Coming soon

Collect through one integration.

Connect to Fusion once instead of to each gateway. Every payment is sent to the rail most likely to succeed, and lands in the same reconciled view as everything else.

$ npm install @usefusion/pay// One call. Fusion picks the gateway and handles failover.import { Fusion } from "@usefusion/pay";const fusion = new Fusion(process.env.FUSION_KEY);const payment = await fusion.pay.create({  amount:   250000,       // kobo  currency: "NGN",  customer: { email: "t.okafor@example.com" },  methods:  ["card", "transfer", "ussd"],  redirect: "https://yourshop.ng/thanks"});// → { url: "https://pay.usefusion.com/c/7Q2K…",//     gateway: "moniepoint", reference: "FUS-7Q2K…41" }window.location = payment.url;// Check on it later, whichever gateway took itconst status = await fusion.pay.get("FUS-7Q2K…41");// → { status: "settled", gateway: "moniepoint", amount: 250000 }// Prefer plain HTTP? The REST API takes the same fields.$ curl https://api.usefusion.com/v1/payments \    -H "Authorization: Bearer $FUSION_KEY" \    -d amount=250000 -d currency=NGN \    -d customer[email]=t.okafor@example.com

  • Add a gateway later from your dashboard. Your code doesn't change.

  • Fusion watches success rates by gateway, method and bank in real time and sends each payment where it's most likely to go through. If one gateway stalls, the next one takes over.

  • Hosted checkout, a JavaScript SDK and a plain REST API. Ship a storefront on Saturday; add refunds, disputes and workflows when you need them.

  • Funds settle from the gateway to your bank account exactly as they do today. Fusion routes the request; it never touches the funds.

Ask Fusion anything

Answers, not another dashboard to dig through

Get answers to your finance team's weekly questions across all payment gateways instantly.

Fusion AI

Which gateway is cheapest for transfers above ₦100k?

Comparing transfer fees…

Gateway B has the lowest hypothetical fee. Illustrative data: above ₦100k, assume flat fees of ₦75 for A, ₦50 for B and ₦100 for C, excluding tax.

At ₦150k, B saves ₦25–₦50 per transfer. Invented fees, not current rates.

Enterprise ready

Built for how your business actually works

  • Finance

    Fusion helps you reconcile payments against bank deposits and your ledger, and shows missing settlements, fee differences, refunds, chargebacks, and revenue gaps as they appear.

  • Payments & Operations

    Get alerted when approval rates fall, a provider slows down, or declines spike, then turn each alert into a task with an owner.

  • Risk & Compliance

    Keep a close eye on chargebacks, disputes, and unusual transaction behavior. Spot early signs of fraud and keep a clear record of what was found and who handled it.

  • Product & Engineering

    See how transactions perform, which gateways are struggling, and why payments fail, without building and maintaining your own reports and data pipelines.

  • Leadership

    Get one clear view of payment performance, cost, and risk across the business. Ask questions in plain language and get answers you can use to make decisions faster.

Your data, handled carefully

Fusion reads your payment data without storing card details

Fusion connects to your gateways with read access. It can see transactions, fees and settlements; it cannot initiate, move or hold a payment.

We only retain the card brand and last four digits from receipts. Full card numbers, BINs, and tokens are discarded, keeping Fusion outside PCI DSS scope.

Every business runs in its own isolated space. Queries are fenced at the database level, so one tenant's rows can never surface in another's dashboard.

Data is encrypted in transit and at rest, and every connection, export and workflow run leaves an audit trail your team can review.

Turn your data into
action insights

Connect your payment infrastructure, understand what's happening, and give your team the intelligence to act.

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