Omno vs Gr4vy (2026): instances, Flow rules, payouts and checkout

Gr4vy is the better choice if you want a dedicated cloud instance per merchant, routing rules with 23 documented conditions, network tokens and account updater, mobile SDKs and fully public documentation. Omno fits e-commerce merchants selling in many markets who want cards, wallets, local methods and crypto in one hosted checkout, plus payouts, with routing by customer verification level as a named input.

By Omno Payments Team. Vendor information verified 19 October 2026

On this page7 sections

Before you decide

  • Gr4vy documents its retry rules in detail: which ISO decline codes move to the next connection and which stop.
  • Gr4vy payouts are card OCT only today; Omno pays out to cards, local methods and crypto.
  • Neither publishes pricing; Gr4vy offers an ROI calculator, Omno a conversation.
  • 3 min read
  • 12 criteria compared
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Omno and Gr4vy, compared as of 19 October 2026

Omno and Gr4vy, compared as of 19 October 2026
FeatureOmnoGr4vy
Deployment modelPartialMulti-merchant platform with role-based access controlYesA dedicated single-tenant cloud instance per merchant, with data kept in-region [source 1]
ConnectionsYesMany PSPs and local methods behind one API; the current list is on the Integrations hubYesOver 400 payment methods and anti-fraud providers through a single integration [source 2]
Hosted or drop-in checkoutYesHosted checkout with Web SDK, plus Card Fields, Direct Links and iFrame optionsYesEmbed drop-in checkout for web, SDKs for React, iOS, Android and React Native, and Secure Fields [source 3]
Payments and payouts in one checkout sessionYesPayments and payouts in one hosted checkout sessionNot publishedNot published; payouts are a separate API [source 4]
PayoutsYesPay-Out to cards, local methods and cryptoPartialCard payouts by Original Credit Transaction only, through PSPs that support them [source 4]
Routing rule conditionsYesRules by card BIN, country, currency, amount, browser information or customer segment, with traffic splitting and provider limits; PSP eligibility by customer group and verification levelYes23 conditions including amount, BIN range, card country, scheme, currency, metadata and anti-fraud decision [source 5]
Retry on another providerYesThe payment moves to the next provider in the rule until one acceptsYesTechnical failures and listed soft decline codes retry on the next connection; other codes stop [source 5]
Verification level as a routing inputYesCustomer verification levels (KYC groups and levels in the API) are named routing inputsPartialPossible through metadata conditions; not a named condition [source 5]
Vault, network tokens and account updaterPartialSaved cards and accounts in the hosted checkout; network tokens and account updater are not statedYesA vendor-agnostic vault, network token provisioning and an account updater [source 6]
Crypto in the checkoutYesCrypto alongside cards and APMs in the hosted checkoutPartialOne crypto connection listed, for nonprofit donations; a crypto checkout flow is not described [source 2]
Security credentialsYesPCI DSS compliant environment; details on the Security pageYesPCI DSS Level 1 stated on the homepage [source 7]
PricingNot publishedNot publishedNot published; an ROI calculator estimates savings [source 7]
  1. gr4vy.com/platform/
  2. gr4vy.com/connections/
  3. docs.gr4vy.com/guides/get-started
  4. docs.gr4vy.com/guides/features/payouts/overview
  5. docs.gr4vy.com/guides/dashboard/flow/card-transactions
  6. docs.gr4vy.com/guides/features/network-tokens/overview
  7. gr4vy.com

Gr4vy and Omno are both payment orchestration platforms, with different starting points. Gr4vy starts from infrastructure: each merchant gets its own cloud instance, a drop-in checkout and SDKs, a vault, and Flow rules that decide how each transaction is routed, declined or authenticated. Omno starts from the checkout: a hosted session in which customers pay and receive payouts by card, local method or crypto, with routing rules the merchant sets around each customer.

Where Gr4vy is stronger

Dedicated instance per merchant. Gr4vy’s platform page describes a single-tenant cloud instance for each merchant, scalable across regions, with data kept in-region and automatic failover and redundancy. For merchants with data residency or isolation requirements, that is a clear advantage.

Documented routing and retries. Gr4vy’s Flow documentation lists 23 conditions for card transactions, from amount and BIN range to card country, scheme, metadata, product categories and the anti-fraud decision, with decline, route and 3DS actions. It also publishes which ISO decline codes retry on the next connection and which stop the cascade. Few vendors document this so openly.

Tokens beyond the vault. Gr4vy provisions network tokens for stored cards and offers an account updater that refreshes expiry dates and other card details. Omno offers tokenization and saved cards but does not state network token or account updater support on its site.

SDKs and public docs. Embed drop-in checkout for web, SDKs for React, iOS, Android and React Native, Secure Fields for a custom form, and server SDKs in C#, Go, Java, PHP, Python and TypeScript, all publicly documented. Omno’s hosted checkout opens with a Web SDK or in an iFrame, and Card Fields put three secure card fields in your own checkout.

Named references. Gr4vy’s homepage names customers such as Grammarly, Trek, JustGiving and Zip. Omno does not publish client names.

Where Omno is stronger

Payouts in the checkout, to more instruments. Omno’s hosted checkout can open the payout view in the same session as the payment view, and Pay-Out sends customer payouts, seller payouts and cashback to cards, local methods and crypto. Gr4vy’s payouts guide says payouts are currently card OCT only, through PSPs that support them.

Crypto in the same session. Omno shows crypto next to cards and APMs. Gr4vy’s connections list includes one crypto connection, aimed at nonprofit fundraising.

Verification level as a named input. Omno’s eligibility rules take customer groups and customer verification levels (KYC groups and levels in the API) as named inputs. On Gr4vy the same outcome would need metadata conditions that your integration fills.

Local depth in every market. Omno serves e-commerce merchants in every country except markets under OFAC sanctions or on the FATF call-for-action list, with country guides on the local methods that matter in markets such as Kazakhstan, Saudi Arabia and Brazil.

Pricing and commercial model

Neither vendor publishes prices. Gr4vy’s site has an ROI calculator; Omno’s pricing is available on request. Ask for quotes in the same structure: platform or instance fee, per-transaction fee, whether retried attempts are billed, payout pricing and exit terms.

Who should choose which

Choose Gr4vy if:

  • Single tenancy or in-region data storage is a requirement.
  • You want to read the full routing and retry logic in public documentation before you buy.
  • Native mobile SDKs, network tokens and account updater are on your list.

Choose Omno if:

  • You want one hosted checkout for payments, payouts and crypto.
  • Payouts must reach local methods and crypto, not only cards.
  • Customer verification level and customer group should decide which providers a customer can use.
  • You sell in many markets and need the local methods of each, such as Kaspi in Kazakhstan, mada in Saudi Arabia or PIX in Brazil.

How we compared

Omno publishes this page, so we have a commercial interest. Every Gr4vy cell links to Gr4vy’s website or public documentation as it read on 19 October 2026. Where Gr4vy is silent we write “Not published”, which does not mean the feature is missing. Omno is described by capability only, from its own product and developer pages. If you work at Gr4vy and see an error, contact us and we will correct it.

Gr4vy and other product names are trademarks of their respective owners and are used only to identify the products compared. Omno is not affiliated with or endorsed by Gr4vy.

Frequently asked questions

What is different about Gr4vy's infrastructure?

Gr4vy describes itself as infrastructure as a service: each merchant gets a dedicated, single-tenant cloud instance that can be scaled across regions, with data kept in-region where local law requires it, and automatic failover and redundancy. Omno runs a multi-merchant platform with role-based access control. If single tenancy or data residency is a procurement requirement, Gr4vy has the clearer public answer.

Which decline codes does Gr4vy retry?

Gr4vy's Flow documentation says technical failures retry on the next connection, as do retriable declines such as ISO codes 05, 06, 91 and 96. Codes outside the list, including suspected fraud, stop the retry, and no retry happens when the provider marks a transaction as not retriable or returns a merchant advice code. Omno moves a rejected payment to the next provider in the merchant's rule until one accepts.

Can Gr4vy pay out to bank accounts or wallets?

Not today, according to its payouts guide, which says the system currently supports Original Credit Transactions to cards only, with other instruments planned. Omno's Pay-Out sends customer payouts, seller payouts and cashback to cards, local methods and crypto through the same API as payments.

Does Gr4vy publish its pricing?

No. Gr4vy offers an ROI calculator but no price list. Omno's pricing is not published either. Ask both for quotes in the same structure, including whether retried attempts are billed and how payouts are priced.

Which has better developer documentation?

Gr4vy's documentation is public and detailed, with server SDKs in six languages, mobile SDKs and a full report specification. Omno publishes its docs on docs.omno.com and developer guides on omno.com for the hosted checkout, Direct Links, routing and webhooks. Teams that want to read every edge case before talking to sales will find more on Gr4vy's side.

Product and company names belong to their owners and are used only to identify the products compared. Something out of date? Write to press@omno.com and we will correct it.

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