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Therius is a payment API that consolidates every major payment method behind a single REST endpoint. Whether you need to accept Visa, Mastercard, and Amex cards, digital wallets like Apple Pay and Google Pay, or regional alternatives such as Pix, ACH, iDEAL, and Klarna — you send one request to Therius and it handles the routing, authentication, and settlement for you.

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Key Capabilities

Single Unified Endpoint

Send all payment methods — cards, wallets, and 40+ APMs — through one POST /payment/purchase request. No per-method SDK juggling.

Smart Routing & Failover

Route each transaction across your connected acquirers by amount, currency, card BIN, and more — with automatic cascading retry on soft declines. Configured in the dashboard, not in code.

Full Payment Lifecycle

Authorize, capture, refund, and cancel from the same API. Two-step authorize-then-capture is supported for physical goods and delayed fulfillment.

Card Tokenization

Tokenize a card during the first payment or via the standalone token endpoint. Charge returning shoppers without collecting card details again.

3D Secure (3DS2)

Therius handles the full 3DS2 flow — device data collection, challenge redirects, and result verification — automatically. You only need to handle the pending_3ds pause.

Subscriptions

Create plans with billing intervals, trials, and dunning rules. Therius retries failed subscription payments and notifies you via webhooks.

Webhooks

Get payment, dispute, and subscription events pushed to your server over HTTPS — signed, retried on a back-off schedule, and replayable from the dashboard.

JS SDK

Collect card details in the browser using the Therius JS SDK. Card data is encrypted client-side and sent directly to Therius — your server never sees a raw PAN.

AI Assistant

Ask about your payments, analytics, routing, and disputes in plain language — with Thera in the dashboard, or by connecting your own AI agent over MCP. No card data or secrets ever reach a model.
Raw card numbers must never travel through your server from the browser. Use the Therius JS SDK to collect card data client-side. The SDK encrypts the card and exchanges it for a nonce that your server passes to the API instead of the card number.

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Where to Go Next

Start with the quick start if you want to fire a real (sandbox) payment in under five minutes. Read the authentication guide to understand how API keys and the JS SDK session token work. Browse the SDK overview once you are ready to embed a payment form. When you are wiring up your backend, set up webhooks so asynchronous outcomes reach your server, and keep the testing reference handy for sandbox test cards.

Quick Start

Make your first test payment with a single curl command.

Authentication

Understand API keys, environments, and the SDK client token.

SDK Overview

Embed a PCI-safe payment form in your frontend.