MSB payment processing that outlasts bank de-risking
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, freeze, or account closure never stops a transfer, an exchange, or a customer’s cash-out.
- 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 money service business needs to keep approvals high and volume flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, spread high-volume flows across accounts, 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 verified customers sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your MSB merchant accounts stay open and your descriptors stay recognizable to customers.
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 money services business model
From remittance platforms to currency exchangers, PaymentKit gives MSBs stable, multi-processor infrastructure built for volume.
Money transmitters & remittance
Card-funded transfers routed to the acquirers that approve them best, with volume spread so no cap or closure stops the flow.
Currency exchange services
High-volume exchange operations on infrastructure that absorbs the scrutiny the category attracts.
Check cashing & payment services
Storefront and online payment services with card acceptance that survives bank-level category exits.
Digital asset & fintech platforms
Crypto-adjacent and fintech MSBs, the segment banks de-risk fastest, kept processing through acquirers that support it.
The problem
Why money service businesses lose revenue on a single processor
MSBs carry the heaviest compliance load in commerce: FinCEN registration, a written AML program under the Bank Secrecy Act, state money transmitter licenses, and continuous KYC obligations. The bitter irony is that none of it guarantees banking. Banks periodically de-risk the entire MSB category, closing accounts of fully compliant businesses because the oversight cost outweighs the deposit revenue. For an MSB on a single processor or a single banking relationship, that decision is an extinction event.
The category’s transaction profile sharpens the problem. Money movement is high-volume, often high-velocity, and exactly the pattern automated risk systems flag, so even routine growth can trigger reviews. Card-funded flows decline at elevated rates because issuers apply their own rules to money-transfer transaction codes. And when a freeze happens, it doesn’t pause a marketing budget; it strands customers’ money mid-flow, which is reputational damage no MSB recovers from quickly.
Common triggers that get money service businesses flagged on a single processor:
- Bank-level de-risking of the MSB category, regardless of your compliance record
- FinCEN registration or state license lapses surfacing in reviews
- Volume velocity that outpaces what the account was underwritten for
- Issuer declines on money-transfer coded transactions
- KYC gaps on customers or counterparties flagged in audits
- Cross-border corridors the acquirer never priced or approved
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 msb payment processing far more resilient than depending on a single merchant account.
Compliance & approval
What keeps MSB merchant accounts stable
Acquirers that support money service businesses expect the full regulatory stack, documented and current, before approving (and to keep approving) an account. Meeting these standards keeps you in good standing and separates you from the operators driving the de-risking. With orchestration, you apply them once and carry them across every connected processor.
Website & policy basics
- FinCEN MSB registration kept current
- State money transmitter licenses for every corridor served
- Clear customer terms, fee disclosures, and support contacts
- Privacy policy and complaint-handling procedures published
Operational standards
- Written AML program with a designated compliance officer
- KYC and transaction monitoring proportionate to volume
- Suspicious activity reporting procedures documented
- Fraud monitoring, 3DS where applicable, and PCI-compliant flows