PaymentKit

What is PaymentKit?

PaymentKit is a multi-processor billing platform built for SaaS and e-commerce companies that want to stop depending on a single payment gateway. It handles the entire billing lifecycle—from pricing and invoicing to dunning and revenue analytics—while routing every transaction across multiple processors to maximize approval rates. The platform also vaults payment tokens independently, so your customer payment data stays under your control even if a merchant ID (MID) gets shut down. You can launch with no code at all, or integrate via full API access when you need a custom checkout experience.

Who it's for

• Startups that need to launch subscriptions, invoices, and checkout in hours without writing a single line of code.
• High-risk verticals like peptides, telehealth, adult, and gaming that face stricter underwriting and need processor diversification to maintain recurring revenue.
• Enterprises building custom checkout flows that require clean APIs, SDKs, and a robust sandbox for deployment without downtime.

Key features

Payment orchestration

PaymentKit routes every transaction to the processor most likely to approve it, based on geography, card brand, or payment method. If a gateway goes down, automatic failover kicks in, and declines cascade to a second processor for another attempt.

Wallet tokenization

Apple Pay and Google Pay are supported out of the box, with every credential vaulted as a network token under your control. This independent vaulting means your tokens stay portable and usable across processors, not locked into one provider.

Dunning and recovery

When a renewal fails, PaymentKit runs the full recovery sequence: adaptive retries timed by decline code and billing cycle, plus brand-matched recovery emails with a self-serve card portal. On average, failed-payment recovery improves by 12.4%.

Revenue metrics

A consolidated dashboard shows growth across every processor you run, letting you compare success rates and costs side by side. Churn surfaces early, so you can catch cancellations and involuntary declines before they compound.

What stands out

PaymentKit optimizes the entire lifecycle of a dollar, from signup to revenue in your bank.

That single-minded focus on the full revenue path is what separates PaymentKit from point solutions. Most platforms handle billing or payments, but PaymentKit combines processor-agnostic routing, independent token vaulting, and automated dunning into one command center. The result is a system that keeps subscriptions billing even when a MID gets shut down—something single-processor setups simply cannot do.

Worth checking out if…

You're tired of being held hostage by one payment processor, or you operate in an industry where underwriting is tough and MIDs get terminated without warning. If you want to launch fast without engineering resources but also need a full API when you scale, PaymentKit bridges both worlds. And if failed renewals are quietly eating your revenue, the built-in dunning and recovery engine gives you a measurable lift without building the infrastructure yourself.