When one processor says no, the next one says yes
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 shutdown never costs you a sale.
- 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 subscriptions and recurring therapy billing, 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 high-risk peptide merchant 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
Set risk rules once and keep them consistent across every processor: flag bad transactions while real customers sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your accounts stay open and your descriptors stay clean.
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 peptide business model
From research supply to regulated wellness, PaymentKit gives high-risk peptide merchants stable, multi-processor infrastructure built to scale.
Research peptide retailers
Online stores selling research peptides and amino acids that need approvals to hold and checkout to never blink.
Regulated wellness & GLP-1 brands
Wellness compounds and GLP-1 category products that mainstream platforms restrict, routed through acquirers that support them.
Telehealth & peptide therapy
Licensed practices billing recurring therapy and virtual-terminal payments, with consistent rules across processors.
Manufacturers & labs
Compound manufacturers and lab suppliers handling high-value B2B orders that need redundancy and clean reconciliation.
The problem
Why peptide businesses lose revenue on a single processor
Most peptide companies start out on a mainstream platform like Stripe, Shopify Payments, Square, or PayPal. Those tools are built for low-risk ecommerce, and their automated systems tend to flag research compounds, regulated wellness products, and supplements that fall outside narrow acceptable-use policies. Approval today is no guarantee of approval next quarter. Accounts are reviewed continuously, and a single flag can trigger a freeze or termination with little warning.
When that happens to a business running on one processor, everything stops at once: payouts are held, fulfillment stalls, and weeks of revenue can sit frozen while cash-flow pressure builds. Payment orchestration removes that fragility. Instead of betting the company on one provider staying happy, you distribute volume across several, so no single decision by a single processor can take you offline.
Common triggers that still get peptide merchants flagged on a single processor:
- Product descriptions that imply medical treatment or disease claims
- Missing refund, privacy, or terms-of-service policies
- Elevated refund or chargeback rates
- Operating inside a restricted product category
- Compliance gaps across the checkout and storefront
- Marketing language that raises regulatory concern
Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway. PaymentKit keeps your risk and routing rules consistent across every provider, so the same transaction logic applies whether you’re on one acquirer or six. That makes high-risk payment processing for peptides far more resilient than depending on a single peptide merchant account.
Compliance & approval
What keeps peptide merchant accounts stable
Acquirers that support peptide and regulated-wellness merchants expect certain operational standards before approving (and to keep approving) an account. 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 refund and return policies
- Privacy policy and terms of service
- Shipping and fulfillment disclosures
- Visible customer-service contact details
Operational standards
- Product descriptions free of medical claims
- Transparent billing descriptors
- Fraud monitoring and secure checkout
- Age verification where applicable