Coming Soon

Payment Gateway

Accept payments globally with one API, zero gateway lock-in

Payment Gateway is a unified payments API that routes transactions across Stripe, Adyen, Checkout.com, and regional processors based on cost, acceptance rate, and latency. One integration gives you global coverage with intelligent failover — stop losing revenue to single-processor outages or suboptimal routing.

app.owlematic.pro

MRR

$14,320

+12% this month

Active

487

+23 this month

Churn

1.8%

-0.4% this month

Revenue chart

$14K/mo

Verified revenue

73%

Choose annual

98.7%

Uptime SLA

<2min

Setup time

The Problem

Sound familiar?

Single-processor dependency means a Stripe outage takes down your entire checkout

Different processors have better acceptance rates by card type and geography — using one means leaving acceptance rate on the table

Re-integrating a new payment processor every time you expand to a new market takes weeks of engineering time

The Solution

Payment Gateway fixes this.

Intelligent Transaction Routing

Routes each transaction to the optimal processor based on card BIN, currency, historic acceptance rate, and real-time latency. Configurable routing rules override available.

Automatic Failover

If the primary processor returns a network error or soft decline, the transaction is retried on the next-best processor within 500ms — invisible to the cardholder.

Unified Reconciliation

Single settlement report across all processors. Map every charge, refund, and dispute to your internal order ID regardless of which processor handled it.

How It Works

Set up in under 2 minutes. No complex configuration.

1

Intelligent Transaction Routing

Routes each transaction to the optimal processor based on card BIN, currency, historic acceptance rate, and real-time latency. Configurable routing rules override available.

2

Automatic Failover

If the primary processor returns a network error or soft decline, the transaction is retried on the next-best processor within 500ms — invisible to the cardholder.

3

Unified Reconciliation

Single settlement report across all processors. Map every charge, refund, and dispute to your internal order ID regardless of which processor handled it.

4

Tokenization Vault

Stores payment methods in a PCI-DSS Level 1 vault. Tokens are portable across processors so migrating away from a processor does not invalidate stored cards.

5

Payment Analytics Dashboard

Acceptance rates, decline reasons, processor costs, and chargeback rates broken down by processor, card type, geography, and time window.

Why not the alternatives?

Same result. A fraction of the price.

ProductPriceCore feature
Payment Gateway$200/moAccept payments globally with one API, zero gateway lock-in
Enterprise tool$149/moOverkill for most teams
DIY approach40+ hrs devHigh maintenance burden

Integrates with your stack

Stripe
Slack
Zapier
Webhooks
API

Simple, Transparent Pricing

No per-user fees. No hidden costs. Cancel anytime.

Startup

$200/mo
  • Up to $500K volume/mo
  • 2 processors
  • Automatic failover
  • Unified reconciliation
  • Tokenization vault
Best Value

Scale

$600/mo
  • Unlimited volume
  • Unlimited processors
  • Intelligent routing rules
  • Payment analytics dashboard
  • Custom reconciliation mapping
  • Priority engineering support
30-day money-back guarantee
Cancel anytime
Price-lock guarantee

Frequently Asked Questions

Which processors are supported out of the box?

Stripe, Adyen, Checkout.com, Braintree, Square, Worldpay, PayU, Razorpay, and Mercado Pago. Custom integrations available on Scale plan.

Does the vault store raw card numbers?

No. Raw PANs are never stored. Cards are tokenized at point of entry using network tokens (Visa VTS, Mastercard MDES) where available for best acceptance rates.

Is migration from our existing gateway disruptive?

No. You can run the gateway in shadow mode first — log routing decisions without changing actual processor — to validate acceptance rate improvements before switching.

Ready to get started?

Join hundreds of businesses saving time and money.

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