Financial and legal payments that hold up under scrutiny
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 or account closure never costs you a client payment, a plan installment, or a rent collection.
- 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
Everything a financial or legal services business needs to keep approvals high and payouts flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, 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 clients sail through.
Compliance & risk support
Guidance through underwriting, card-network registration, and acceptable-use requirements so your accounts stay open and your billing descriptors stay recognizable to clients.
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
Orchestration for every financial and legal business model
From solo practices to national firms, PaymentKit gives regulated services businesses stable, multi-processor infrastructure built to scale.
Credit repair & credit services
Credit repair payment processing with post-service recurring billing that fits CROA rules and survives the category’s scrutiny.
Debt relief & consolidation firms
Payment plans and program billing for distressed consumers, kept renewing through the freezes this category attracts.
Money service businesses
High-volume flows for MSBs living with bank de-risking, spread across processors so no single closure stops the money moving.
Property managers & landlords
Rent collection and tenant fees on recurring billing built for high tickets, with adaptive retries recovering failed payments before late notices go out.
Specialized verticals
Financial and legal payment processing by industry
Each of these segments carries its own regulations, billing rules, and acquirer requirements. We’ve built dedicated guides for each.
Post-service recurring billing that fits CROA’s advance-fee rules, on a credit repair merchant account setup no single processor can end.
Program billing and installment plans for debt relief firms, structured around the advance-fee rules and kept alive through freezes.
Multi-processor infrastructure for money service businesses facing bank de-risking, with volume spread so no closure stops the flow.
Rent collection, tenant fees, and owner billing on recurring infrastructure built for high tickets and first-of-the-month volume.
The problem
Why financial and legal businesses lose revenue on a single processor
Financial services is the category banks de-risk first. When a bank or processor decides a segment is more compliance work than it’s worth, it doesn’t review accounts one by one; it exits the segment, and compliant credit repair firms, debt relief programs, and money service businesses lose their accounts alongside the bad actors. Add federal billing rules that shape when these businesses are even allowed to charge, from CROA’s advance-fee restrictions in credit repair to the Telemarketing Sales Rule in debt relief, and the category runs on a narrow set of acquirers who can change their minds at any time.
The revenue at stake is mostly recurring: monthly service plans, program installments, rent on the first of the month. A frozen account doesn’t just pause new sales; it fails every scheduled payment that comes due while it’s down, and in businesses serving financially stressed clients, a missed installment often never gets made up. Meanwhile chargebacks run structurally high, because disputing a charge is easiest for exactly the consumers these industries serve.
Common triggers that get financial and legal merchants flagged on a single processor:
- Billing that looks like advance fees where CROA or the TSR restricts them
- Chargebacks from distressed consumers disputing program payments
- Outcome promises in marketing that regulators treat as deceptive claims
- Missing licenses, registrations, or disclosures for the state served
- High-ticket transactions like rent and retainers raising per-charge risk scores
- Bank-level de-risking of the entire category, regardless of your record
Payment orchestration removes the fragility. Instead of betting the firm on one provider staying happy, you distribute volume across several processors, so no single decision by a single bank 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 financial and legal payment processing far more resilient than depending on a single merchant account, and the most regulated corners feel it hardest, which is why credit repair, debt consolidation, MSB, and property management merchants each get their own dedicated playbook.
Compliance & approval
What keeps financial and legal merchant accounts stable
Acquirers that support financial and legal services expect documented compliance before approving (and to keep approving) an account, and federal billing rules add constraints most industries never see. Meeting them lowers chargeback risk and keeps you in good standing. With orchestration, you apply these standards once and carry them across every connected processor.
Website & policy basics
- Clear service agreements with fee schedules stated up front
- Refund and cancellation policies matched to each program
- Licensing and registration disclosures for every state served
- Privacy policy, terms of service, and visible support contacts
Operational standards
- Billing timed to comply with CROA, TSR, and state advance-fee rules
- Marketing free of guaranteed-outcome claims
- Billing descriptors clients recognize at a glance
- Fraud monitoring, 3DS, and PCI-compliant checkout