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Velaxe
PayStream — Payments, Invoices, Subscriptions & Refunds | Velaxe

PayStream

Enable 3DS2 / SCA for card payments

Turn on step-up challenges for risky transactions and EU SCA compliance.

15 min Intermediate Platform Engineer, Risk Ops Updated Sep 19, 2025
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Overview

Turn on step-up challenges for risky transactions and EU SCA compliance.

Prerequisites

None.

Permissions required

billing:configure risk:write

Downloads & Templates

SCA policy JSON

Spec

Steps (3)

Estimated: 15 min
  1. 1

    Set challenge policy

    Platform 5 min Back to top

    Settings → Risk → 3DS. Choose **Automatic (frictionless preferred)** or **Always for EU**.

    Tips

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    Validation

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    Success criteria

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  2. 2

    Test with SCA cards

    QA 5 min Back to top

    Use test numbers to simulate challenge and frictionless flows in HPP.

    Tips

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    Validation

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    Success criteria

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  3. 3

    Monitor outcomes

    Risk Ops 5 min Back to top

    Dashboards → Auth Rate by BIN/Region; review failure reasons and tweak policy.

    Tips

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    Validation

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    Success criteria

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About this guide

PayStream unifies payments for your workspace. Create invoices or subscriptions, accept global methods (cards, wallets, bank pay), and automate dunning with email/SMS links. Providers are pluggable, so you can route by region or fail over without rewriting flows. Agents issue refunds and send secure payment links from Agent Desk; receipts and PDFs are stored in SecureStore, and every event hits your FlowForge automations and Chronicle timeline.

Security-first design: tokenized instruments, least-privilege keys, signed webhooks with idempotency, and exportable audit logs. Finance and CX teams get shared metrics in InsightLake—auth rates, recovery, refunds, and MRR/ARR.