BridgerPay Review
6.3/10Retry-first payment orchestration from Limassol: a hosted checkout and no-code router over 1,000+ connected methods and providers, with soft declines cascading to a second PSP.
Our read
- Bridger Retry: one 3DS2 session persists across retried PSPs, wallet and recurring transactions retry too, and retry paths are A/B-testable.
- The connections directory is public and free to browse with no account.
- Fast product cadence: BridgerFraud (Nov 2025), Settlement Calendar (2025), network tokenization live with Visa (2025), Data Tank, and the Kanji AI assistant (May 2026).
- Direct membership in Shva, Israel's central payment switch.
- Enterprise references outside gambling: Zalora, Etihad, Paybis, and Luxury Escapes.
- KYC and AML sit entirely with the merchant: no compliance product, partner, or cover of any kind ships with the platform.
- Developer docs are password-protected, with no public sandbox and no pricing page, so nothing technical or commercial can be scoped before a demo.
- The PCI Level 1 certificate and the SOC 2 report both travel on request.
Mid-market operators and mixed high-risk merchants (forex, crypto, travel, gaming) that already hold their own gambling licenses and PSP contracts and want retry, cascading, and one cashier layered over them, plus Israel-facing merchants who can use the Shva membership.
US-regulated iGaming, buyers whose procurement needs public docs, a sandbox, or pricing before a sales call, and operators that want any compliance cover from the payments layer itself.
Markets & licensing
BridgerPay holds no licenses because it structurally needs none: it is a routing and checkout layer that never touches funds. That makes attestations the whole compliance surface, and the paperwork there travels on request. PCI DSS Level 1 runs with annual audits and quarterly scans.
BridgerPay has no compliance footprint in North America, so a US-regulated operator has nothing to work with.
There is no FCA authorization and none is required. A UKGC-licensed operator can run BridgerPay as cashier plumbing over its own PSP contracts, with every compliance obligation staying operator-side and the attestation paperwork (PCI certificate, SOC 2) arriving on request.
- No payment licensesGlobal
- Pure orchestration layer that never touches funds, so no EMI, PI, VASP, or MTL is required · Unregulated by design
- PCI DSS Level 1Card data security
- Annual audit plus quarterly scans · Certificate PDF available on request
- SOC 2, DORA, GDPRInfosec attestations
- Held, with the SOC 2 report available on request · No ISO 27001
- Shva membership (Israel)Israel
- Direct membership in the country's central payment switch · Announced Dec 3, 2025 · a rails membership rather than a license
Licensing tier: A no-license tier by design.
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Not applicable in the licensing sense: BridgerPay supplies technology, so market access is a function of the operator's own licenses and PSP contracts. Reach spans 185 countries.
Methods & rails
What you can reach
Flagship local methods
Processing features
Integrations & engineering
One contract and one API instead of a separate deal per studio, feed, or PSP. Here's what connects, how fast, and on what stack.
One REST API behind a hosted, embeddable checkout. Merchants keep their own PSP contracts and connect them through BridgerPay, which orchestrates routing, retries, fraud rules, and 3DS across those accounts while funds continue to flow directly between merchant and PSP. Configuration is no-code throughout: the Router builds rules by country, provider, cost, or payment type with multi-condition logic, Retry paths are A/B-testable, and BridgerFraud uses a question-based builder. Payment links over email, SMS, and QR plus POS orchestration extend the same core, and a PSP Self-Integration Tool lets providers onboard themselves.
Products & tools
Everything hangs off the hosted checkout: Bridger Retry and the agnostic 3DS recover declines inside it, the Router decides where each transaction goes, and the 2025 platform wave wrapped fraud rules, settlement visibility, and a data layer around the same core.
Bridger Retry
Soft card declines get rerouted to another PSP inside the same session, with a PSP-agnostic 3DS2 authentication that stays valid across retries so the customer is not asked to authenticate again.
- Reroutes soft declines across connected PSPs in real time, covering recurring payments and failed Apple Pay and Google Pay transactions
- Bridger 3DS keeps one 3DS2 session alive across retried providers, with an approval uplift of up to 10%
- A/B testing of retry and routing paths, added in 2025
- Recovery runs to 30% of declines, or 8% of lost revenue
- Regional recurring recovery: Europe and LATAM 15%, Caribbean 11%, MENA 9%, North America 2.8%
Bridger Checkout
A hosted, embeddable checkout in 30+ languages, fed by a drag-and-drop no-code Router that decides which of the merchant's own PSP accounts takes each transaction, with cascading fallback built in.
- Embeddable hosted checkout, 30+ languages
- No-code routing rules by country, provider, cost, or payment type, with multi-condition logic added Mar 2026
- Card-issuing-country routing rules added in 2025
- Payment links via email, SMS, and QR, plus POS orchestration for omnichannel setups
- Public connections directory, searchable for free with no account, listing 1,000+ connectors
- White-label deployment available
BridgerFraud
The in-house fraud engine launched in November 2025: a no-code, question-based rule builder with IP, VPN, and geo detection, velocity checks, blocklists, and approve, review, or deny actions.
- Question-based rule builder aimed at ops people rather than analysts
- IP, VPN, and geolocation detection
- Velocity checks and blocklists
- Approve, review, or deny outcomes per rule
- Launched Nov 2025 as part of the platform wave
Settlement Calendar
Settlement visibility across all connected PSPs: what settled yesterday, what settles tomorrow, and real net amounts after fees, next to automated multi-PSP reconciliation and unlimited historical data for BI.
- Settlement Calendar (2025): per-PSP settlement dates and net-after-fee amounts in one view
- Automated reconciliation across PSPs, with an 80% cut in reconciliation time
- Data Tank (2025): unlimited historical transaction data with BI integration
- Network tokenization live with Visa (2025) on top of the multilayer Bridger Safe vault
- Bridger Admin back office with Magic Search and the Kanji AI connections assistant
The history
Longevity in this industry usually comes with a change of owner somewhere in it.
BridgerPay was founded in Limassol in 2019 by Ran Cohen and Yaron Hershcovich, two forex-industry veterans, operating as Bridger AI Ltd (Cyprus). It bootstrapped until a $6M seed announced in May 2022, led by ex-Catch.com CEO Nati Harpaz and SIBF, with $2M of that in secondary sales. The company stayed small, roughly 50-60 people from one office, while widening its reach to 185 countries, and in 2025 it rebuilt both the website and the platform: BridgerFraud, the Settlement Calendar, Visa network tokenization, and direct Shva membership all landed within months.
Brands & clients on the platform
Corporate
Leadership
Milestones
- 2019
Founded in Limassol by Ran Cohen (CEO) and Yaron Hershcovich (CTO), both from the forex industry, and bootstrapped for the first three years.
- 2021
BtoBet, the Aspire Global sportsbook platform, adds payment options via BridgerPay (September), the first gambling-side integration.
- 2022
$6M seed announced in May, including $2M in secondary sales, led by Nati Harpaz and SIBF. Wins HUB71's Outliers Challenge in Abu Dhabi.
- 2025
A full site redesign lands, then a platform wave: BridgerFraud (November), Settlement Calendar, Visa network tokenization, Data Tank, and the first BridgerPay Connect event in Tel Aviv (November 18).
- 2025
Bet7, a Portuguese online casino, announced as a partner (June 6), and direct membership in Shva, Israel's central payment switch, follows (December 3).
- 2026
Magic Search ships in Bridger Admin (January) and the Kanji AI connections assistant arrives (May 27), with BridgerPay Connect 2026 set for September 9 in Tel Aviv.
Where they're pushing next
- Israel (direct Shva membership, Dec 2025)
- Gambling (dedicated vertical, Bet7 deal Jun 2025)
Awards & recognition
Longevity and ownership
Switching vendors is expensive, which makes the company's staying power part of the purchase. What the contract says about your data decides how expensive an exit gets.
BridgerPay vs alternatives
Most buyers in this market shortlist three or four vendors long before they take a single sales call.
| Attribute | BridgerPay | Praxis Tech | PaymentIQ | Corefy |
|---|---|---|---|---|
| Founded | 2019 | 2014 | 2014 | 2018 |
| Team | 54+ | — | — | 100+ |
| US market | — | Restricted | — | — |
| Pricing | On request | — | On request | Public |
| Methods | 1,000+ | 1,000+ | — | — |
| Currencies | 50+ | 200+ | — | 200+ |
| Settlement | None of its own: funds flow directly between merchant and PSP, so settlement terms are each PSP's, tracked in the Settlement Calendar (2025) with dates and net-after-fee amounts. | No Praxis settlement layer | Not applicable: funds settle on each underlying PSP's own terms | Set by each connected PSP, since Corefy never holds or settles funds itself |
| Instant payouts | — | — | — | Yes |
Settlement & commercials
BridgerPay prices per deal, so exact figures land in the contract rather than on a public rate card.
The deal
Money movement
Onboarding path
- 1Book a demo
- 2Scope PSP coverage in the public connections directory before the call
- 3Contract with Bridger AI Ltd (Cyprus), keeping your own gambling licenses and PSP contracts
- 4Get credentials for the developer portal and the Bridger Admin dashboard
- 5Connect your existing PSP accounts, embed Bridger Checkout, and build Router and Retry rules in the no-code editors
- 6Go live with BridgerFraud rules, the Settlement Calendar, and reconciliation, with funds continuing to flow directly between you and each PSP
Support & account management
You can't demo service before you sign, so what a vendor puts in writing is the only floor you can hold it to.