topropay is the routing layer for high-volume merchants. Connect once. We route each payment across acquirers, PSPs, and wallets. We retry soft declines. Every sale gets its best shot.
Your team sends one request to one endpoint. topropay scores acquirers in real time. It cascades past soft declines on its own. You get one clean result back. Add markets without touching a single PSP.
{ "amount": 4990, "currency": "EUR", "capture": true, "routing": "auto", "customer": { "country": "DE" }} # scores acquirers · cascades on decline→ acquirer·DE declined do_not_honor→ acquirer·NL approved capturedOn every request
Send one standard payment to /v1/payments. No per-PSP SDKs. No custom builds to maintain.
The engine scores every acquirer on cost, region, and approval odds. It picks the strongest path.
A soft decline retries on the next-best acquirer. It saves revenue that would else drain away.
You get one clean, settled response. Data is matched and ready to report.
The orchestration layer
topropay sits above your acquirers as one API. It re-routes declines, checks routing rules per transaction, matches every settlement file, and handles PSD2 and PCI scope. Four systems you'd otherwise build and own.
Explore the platform01 Intelligent cascading
When an acquirer returns a soft decline, topropay tries the next acquirer in a ranked list. The retry keys on the ISO-8583 code, BIN, currency, and issuer pattern. It runs server-side. Your checkout never sees the failure.
02 Multi-acquirer routing
Set routing as plain rules, not code. Each payment is scored on BIN, MCC, currency, card brand, and live approval rates. It goes to the route most likely to clear. Edit a rule in the dashboard. It applies on the next transaction. No redeploy.
03 Centralised reconciliation
topropay pulls settlement files, fees, chargebacks, and payouts from every acquirer. It maps them into one ledger. Captures are auto-matched to settlements. Fees are listed per transaction. Mismatches are flagged and pushed to your ERP or data store.
Compliance, as infrastructure
SCA
SCA (Strong Customer Auth) runs on every transaction. Exemptions like TRA, low-value, and trusted beneficiary are checked in real time. This cuts needless friction.
3DS2
Frictionless and challenge flows run in-band. Each payment routes to the issuer ACS. It picks the best auth rate for that card range.
PCI DSS
PANs are stored as tokens the moment they reach our PCI DSS Level 2 vault. Raw card data never hits your servers. Your audit scope shrinks.
We cover global card schemes and the local methods your customers expect. We maintain every connector. Keep your existing acquirer contracts or add new ones. Then route, retry, and cascade across all of them from one connection.
Don't see a provider you need? New acquirers and local methods are added on request. Your setup stays the same.
Book a discovery call. In one session, we map your acquirer setup. We model the approval-rate lift from smart routing. We scope a single-API build across your EU markets. No PSP changes. No stack rebuild.
$ curl https://api.topropay.com/v1/payments \ -H "Authorization: Bearer $TOPRO_KEY" \ -d amount=4999 -d currency=EUR \ -d routing=cascade # declined at acquirer A → retried → approved at acquirer B# one settlement · one reconciliation feed