Features per industry
See which VINR features your integration needs based on your industry vertical.
Different industries have different payment needs. Use this guide to identify the VINR capabilities most relevant to your business, then follow the linked documentation to enable them.
Retail and e-commerceAsk
Online and brick-and-mortar retailers need a broad payment stack that handles card-not-present fraud, supports local payment methods, and enables seamless omnichannel flows.
| Capability | Why it matters |
|---|---|
| Card payments | Accept Visa, Mastercard, Amex, and local schemes |
| 3D Secure | Reduce fraud liability on card-not-present transactions |
| Tokenization | Store cards securely for repeat purchases |
| Recurring payments | Subscriptions, installment billing |
| Refunds | Full and partial refunds with audit trail |
| In-person payments | Unified online + in-store acceptance |
| Disputes | Chargeback response tooling |
| Reporting | Reconcile across channels |
Travel and hospitalityAsk
Travel merchants deal with high-value transactions, multi-currency bookings, and pre-authorizations that settle days or weeks after capture.
| Capability | Why it matters |
|---|---|
| Authorization holds | Pre-auth for hotel check-in, car rental |
| Multi-currency payments | Accept bookings in the traveler's local currency |
| Tokenization | Secure card storage across the booking lifecycle |
| 3D Secure | Comply with SCA requirements in regulated markets |
| Partial authorization | Handle split-tender bookings |
| Refunds | Cancellation and partial refund flows |
| Reporting | Reconcile revenue across booking channels |
Restaurant and food & beverageAsk
Quick-service and full-service restaurants need fast terminal throughput, tip handling, and split-check support.
| Capability | Why it matters |
|---|---|
| In-person payments | Terminal-based card acceptance |
| Tap to Pay | Accept contactless on a mobile device |
| Terminal hardware | Countertop, handheld, and kiosk terminals |
| Partial payments | Split checks across multiple payment methods |
| Tokenization | Stored cards for loyalty and repeat orders |
| Refunds | Void and refund at POS |
HealthcareAsk
Healthcare providers collect patient payments subject to strict data-handling and billing regulations. Card-on-file and deferred billing are common patterns.
| Capability | Why it matters |
|---|---|
| Tokenization | Securely store payment credentials for future billing |
| Recurring payments | Installment plans and recurring copays |
| Partial authorization | Collect what's available; bill the remainder later |
| Refunds | Overpayment and insurance-adjustment refunds |
| Compliance | PCI DSS scope guidance |
| Reporting | Patient payment reconciliation |
Platforms and marketplacesAsk
Platforms that facilitate payments on behalf of sub-merchants need split settlement, onboarding, and compliance tooling.
| Capability | Why it matters |
|---|---|
| Payouts | Route funds to sellers and service providers |
| Settlement | Configure split settlement and payout schedules |
| Compliance | KYC/KYB for sub-merchant onboarding |
| Webhooks | Real-time payment event delivery to your platform |
| Reporting | Aggregate and per-seller financial reporting |
| Disputes | Manage chargebacks across your seller base |
Subscription and SaaS businessesAsk
Software and media businesses rely on reliable recurring billing, smart retry logic, and failed-payment recovery.
| Capability | Why it matters |
|---|---|
| Recurring payments | Fixed and usage-based billing cycles |
| Subscriptions | Plan management, upgrades, downgrades |
| Invoices | Automated invoice generation and delivery |
| Usage-based billing | Meter-based charges |
| Tokenization | Card-on-file without re-prompting customers |
| 3D Secure | SCA-exempt initial charges with MIT for renewals |
| Reporting | MRR and churn cohort reconciliation |
Don't see your industry? Most capabilities in the table apply broadly. Contact VINR support for tailored guidance.
