Payment Authorisation Architecture
Customer Initiates Merchant Presents request Orchestration / Routing Layer PSP / Gateway / Orchestration Layer Routes & controls verification call Issuer decision (after proof + internal logic) Issuer / Decision Engine Final decision owner Auth Response Returned after decision Optional pre-decision verification call AffixIO Proof Verification Callable by PSP, issuer, or orchestration layer Proof (not approval)
Human Verification
Live path when Live API is on — verification attestation (not a finance proof), initiation_type: human Human Cardholder initiates PSP / Orchestration Adds verify call · holds API key server-side AffixIO — human verification Verification attestation — not proof of funds / not a finance proof POST /v1/verify (or legacy circuit) · api.affix-io.com Demo: POST /demo-verify-proxy.php from browser Pre-decision signal — issuer keeps finance rules Issuer Evaluates proof + policy Auth After issuer decision Human-initiated context distinguishes this path from machine (agentic) flows — proof is verification, not finance

Authentication flow animates only when you press Generate live verification proof (while the request runs) · closes when you run a scenario or collapse Human verification

AffixIO returns proof, not approval • Issuer decision happens after proof evaluation • Callable by PSP, issuer, or orchestration layer • Verification without exposing raw personal data
How AffixIO Fits into Authorisation
AffixIO is a callable pre-decision proof layer

AffixIO sits before the issuer sees the transaction. The PSP or orchestration layer calls it to check whatever conditions matter: spend limits, merchant rules, account standing, device trust, whether the terminal is offline, or if a machine is acting on someone's behalf. It hands back a proof, nothing more. The issuer takes that proof, runs it through its own logic, and makes the call. The auth response only comes back once the issuer has decided.

Transaction & Proof Detail
Select a scenario to view detail
Verification Log
Awaiting scenario…
Transaction Queue
Transaction Detail
Select a transaction
Proof Object & Decision
Awaiting scenario…