SaaS payment processing with no single point of failure
Keep your existing processors · Go live in under an hour
Orchestrate the processors you already use
- Stripe
- Adyen
- Authorize.net
- Airwallex
- Checkout.com
- Paysafe
- +18%Approval-rate uplift
- 99.99%Routing uptime
- 20+Processors supported
- <50msAutomatic failover
How it works
Orchestration in three moves
Connect once, route everything, and let fail over and recovery run on autopilot, so a single decline, outage, or freeze never costs you a sign up, a renewal, or a usage invoice.
- 01 · Connect
Plug in every processor
Bring Stripe, Adyen, Authorize.net, and your high-risk acquirers under one unified API. Add or swap processors without touching your checkout.
- 02 · Route
Send each charge to its best home
Every transaction is routed by card brand, BIN, currency, amount, and live approval performance, landing on the processor most likely to say yes.
- 03 · Recover
Fail over and retry, automatically
If a processor declines, slows, or goes offline, the charge reroutes in milliseconds and retries on a backup, so the sale still closes.
The platform
See orchestration at work
From a single control surface to real-time routing and recovered revenue. Here’s what running on PaymentKit looks like.
One router, every processor
Connect Stripe, Adyen, Authorize.net, and your high-risk acquirers, then let PaymentKit route each charge to the one most likely to approve.
Every payment method, one checkout
Give customers cards, wallets, and BNPL (Apple Pay, Google Pay, Link, Klarna, PayPal), all orchestrated behind a single integration.
Grow and stabilize recurring revenue
For memberships, treatment packages, and product subscriptions, orchestration keeps renewals flowing and your monthly recurring revenue climbing, even when a single processor stumbles.
Recovery and churn, in real time
Track recovered revenue and churn across every processor from one dashboard, and see exactly what orchestration wins back.
Capabilities
Built for revenue that can’t afford to stop
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, route international customers to local acquiring, or let live performance decide.
Zero-downtime failover
A processor outage or freeze no longer stops checkout. Traffic reroutes instantly to a healthy backup, with no customer-facing errors.
Cross-processor recovery
Soft declines get a second chance on a different processor, with retry timing tuned to historical success windows.
Approval-rate optimization
Routing learns which processor approves which customer profile, lifting authorization rates without you lifting a finger.
Fraud & chargeback shield
Chargeback protection with risk rules you set once and keep consistent across every processor: flag bad transactions while paying subscribers sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your merchant accounts stay open and your billing descriptors stay recognizable to subscribers.
Implementation
Launch with or without code
Build routing in the dashboard, or wire it up with a few lines of API. Either way, you go live in under an hour.
No code
Drag-and-drop routing rules
Set processor priority and add conditions by card brand, BIN, currency, or amount, then toggle fail over: no deploys, no engineers.
Prebuilt checkout components
Drop in PSP-agnostic, PCI-compliant payment fields and let PaymentKit handle the routing behind them.
Yes code
Live performance dashboard
Watch approval rates, fail overs, and recovered declines per processor in real time, and adjust rules on the fly.
One-click processor connect
Add or remove acquirers from a single screen. New processors join your routing pool instantly.
Single processor vs. orchestration
Why one processor is a liability
- Account shutdownSingle processorRevenue stops deadPaymentKit orchestrationTraffic reroutes, sales continue
- Frozen fundsSingle processorCash held for weeksPaymentKit orchestrationVolume spread, exposure limited
- Soft declinesSingle processorLost at first noPaymentKit orchestrationRetried on a backup processor
- Approval rateSingle processorCapped by one providerPaymentKit orchestrationOptimized across all of them
- Processor outageSingle processorCheckout goes downPaymentKit orchestrationFail over in milliseconds
- Switching processorsSingle processorRe-integration projectPaymentKit orchestrationA config change, not a rebuild
Who we support
B2B SaaS & subscription software
Monthly and annual plans, seats, and add-ons on saas billing that keeps renewing whatever a single processor decides.
Usage-based & API-billed platforms
Metered pricing and invoice billing with adaptive retries, so a spiky invoice doesn’t die on one processor’s risk model.
BaaS & embedded finance platforms
Platforms that route payments for their own customers, built on a payment gateway for SaaS that was designed for multi-acquirer setups.
Global self-serve products
PLG products selling in every timezone, with each charge routed to the acquirer that approves best per region and currency.
The problem
Why SaaS businesses lose revenue on a single processor
SaaS rarely gets called high risk, and that’s exactly why the risk hides. A software company’s entire revenue is card-not-present and mostly recurring, which means it inherits recurring commerce’s failure modes: renewals that decline silently, chargebacks from customers who forgot the subscription, and an account that gets re-reviewed as volume grows. When a processor freezes or throttles a SaaS account, the damage isn’t one lost sale. It’s every renewal that comes due while the account is down, and each failed renewal is a churn event your product team never caused.
There’s also the concentration problem nobody prices in. Most SaaS companies run one PSP for everything: checkout, renewals, invoicing, and the vault. That processor’s outage is your outage. Its approval rates in Brazil or Germany are your approval rates. Its risk team’s opinion of your growth spike is the difference between a record month and held payouts. Single-processor SaaS billing works right up until the day it doesn’t, and by then the vault lock-in makes leaving expensive.
Common triggers that get SaaS companies flagged on a single processor:
- Chargebacks from forgotten or disputed subscription renewals
- Trial-to-paid conversions customers claim they never agreed to
- Volume growth that outpaces what the account was underwritten for
- Cross-border customer mix the acquirer prices and approves poorly
- Billing descriptors subscribers don’t recognize on their statements
- Refund and cancellation policies that don’t match the checkout flow
Payment orchestration removes the fragility. Instead of betting the business on one provider staying happy, you distribute volume across several processors, so no single decision by a single processor can take you offline. Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway, and it keeps your risk and routing rules consistent whether you’re on one acquirer or six. That makes SaaS payment processing far more resilient than depending on a single merchant account.
Compliance & approval
What keeps SaaS merchant accounts stable
Acquirers expect certain operational standards before approving (and to keep approving) a software company’s account, and the bar rises as recurring volume grows. Meeting them lowers chargeback risk and keeps you in good standing with the card networks. With orchestration, you apply these standards once and carry them across every connected processor.
Website & policy basics
- Clear subscription terms with an easy cancellation path
- Transparent trial, pricing, and refund policies
- Privacy policy and terms of service
- Visible customer-service contact details
Operational standards
- Billing descriptors subscribers recognize at a glance
- Dunning and retry hygiene that stays inside network limits
- 3DS and SCA handling for European customers
- Fraud monitoring and PCI-compliant checkout