E-commerce
Every silent decline costs revenue. We re-route failed card auths across ranked acquirers. Checkout never shows an error.
approval uplift · one checkout · zero rebuild
See the playbookBuilt for high-volume merchants
One API layer for every industry you sell in.
topropay sits above your acquirers as a single API. We route, recover and reconcile payments. Approval rates and payout speed decide your quarter. You keep your PSP relationships. We make the whole stack perform.
Where we work
Industries we power
Each vertical has its own decline patterns and payout rules. Our engine adapts to all of them. Pick the path closest to your business.
Subscriptions & SaaS
Recurring revenue lives or dies on each renewal. Failed rebills get re-routed automatically. Churn never shows in your MRR.
rebill recovery · dunning · MRR retention
See the playbookRetail & DTC
DTC brands live or die on checkout rate. We route each auth to the acquirer most likely to clear it. Your brand stays on your domain.
branded checkout · APMs · conversion uplift
See the playbookTravel & Hospitality
High-value bookings need precise control. Hold an auth and capture at check-in. All settlement files land in one ledger.
deferred capture · refunds · reconciliation
See the playbookMarketplaces
Many sellers, many payouts, one mess to sort. We normalise fees, captures and chargebacks. One clean ledger you can export.
split flows · payouts · ledger export
See the playbookDigital Goods
Instant delivery leaves no room for slow declines. We score each auth on BIN, currency and 3DS data. Then we pick the best acquirer.
smart routing · 3DS2 · multi-currency
See the playbookThe same four problems
Different sectors, one broken pattern
Whether you run a marketplace or a travel platform, the pain looks the same. topropay removes it without touching your PSP contracts.
How orchestration worksDeclines drain revenue silently
Most stacks have no automatic recovery path. A soft decline just becomes a lost sale. Cascading re-routes it server-side and keeps the order.
Direct PSP integrations eat engineering
Each new acquirer is months of build and upkeep. One API replaces them all. Your team ships features instead of connectors.
Reconciliation is manual and brittle
Settlement files differ per acquirer. We ingest and match them into one ledger. Mismatches are flagged, not missed.
Compliance overhead lands on you
PCI scope and 3DS2 sit below your stack. PSD2 and SCA live there too. We absorb the heavy parts. Your team carries less risk.
One platform behind every vertical
- Hundreds
- Acquirers, PSPs and local APMs on one unified API
- Real-time
- Routing and cascading scored on every transaction
- One ledger
- Settlement and reconciliation across all acquirers
- EU-wide
- Coverage tuned for PSD2, SCA and 3DS2 from day one
Talk to our payments engineers
Map the approval-rate uplift for your sector.
Book a discovery call. We will model your acquirer setup. We scope a single API across your EU markets. We show where cascading finds missed revenue. No PSP talks. No rebuild.