Who we are

One API between your checkout and every acquirer.

topropay is a payment orchestration platform for high-volume merchants. We connect you to hundreds of acquirers, PSPs and local methods through a single integration — then route, retry and reconcile every transaction to lift your approval rate.

We are not a gateway and we are not a processor. We hold no funds. Our job is the layer in between: the routing engine that decides where each authorisation goes, and the ledger that makes sense of it afterwards.

Book a discovery call Explore integrations

Why we exist

Declined revenue is a fixable problem

Merchants lose real money to soft declines every day. A single acquirer cannot win every authorisation. Issuers behave differently by region, card range and time of day. Most teams never see this drain, because a failed payment looks like a customer who simply left.

We built topropay to close that gap. When one acquirer declines, we re-attempt against the next in a ranked waterfall — before your checkout ever shows an error. Routing is expressed as policy, not code. Reconciliation is one ledger, not ten spreadsheets. The result is a payment stack that adapts in real time.

The founders come from payments and high-volume e-commerce. We have felt this pain first-hand. That is why the platform is opinionated about one thing above all: your approval rate is the only metric that matters.

What we believe

Four principles behind the platform

These are not slogans. Each one is a constraint we hold ourselves to when we design a routing rule, sign an acquirer or ship a feature.

  • Orchestration, not lock-in

    We never hold your funds

    topropay sits above your acquirers as a routing layer. You keep your own PSP contracts and pricing. We move the transaction — you keep the relationship.

  • Approval rate is the product

    Every decision is measured

    Routing, cascading and 3DS choices are scored on live approval data per acquirer. We tune for one number that shows up on your P&L: more authorisations cleared.

  • Compliance as infrastructure

    Scope shrinks below your stack

    PANs tokenise inside our PCI DSS Level 2 vault. PSD2 SCA and 3DS2 run in-band. Raw card data never touches your servers, so your audit footprint stays small.

  • Built for volume

    Tuned for high-volume verticals

    E-commerce, SaaS, travel and marketplaces push edge cases that break generic gateways. We were built for that traffic, not retrofitted to survive it.

One integration, the whole map

1 API
spans hundreds of acquirers, PSPs and local APMs
EU-wide
coverage with local payment methods at the edge
Real time
routing and cascading evaluated per transaction

Talk to us

See your approval rate on real traffic

Bring a sample of your declines. We will show you where they recover. No rip-and-replace, no new PSP contracts — just the orchestration layer on top of what you already run.

Book a discovery call [email protected]