Online payments, unified
topropay is the layer that lets you take online payments on your website without stitching together a different provider for every card scheme, wallet and country. Connect once and reach hundreds of payment methods, dozens of acquirers and local rails like SEPA — all behind a single API, with smart routing that sends each transaction to the route most likely to get approved.
The short version
Most teams start accepting online payments with a single provider. Then the limits show up the hard way. A card scheme is not supported. Approval rates sag in a new market. A renewal fails in silence. A new region needs its own acquirer and its own integration. Each fix adds another contract, another dashboard and another set of reports to reconcile. Over time the cost is not just fees. It is engineering hours and revenue quietly lost to declines you could have avoided.
topropay collapses that sprawl into one orchestration layer. A single integration opens up hundreds of payment methods and dozens of acquirers. For every transaction, a routing engine picks the path most likely to be approved at the lowest cost. You keep the providers and pricing you already have. You add new markets as configuration, not code. And you see every settlement in one place. The result is a checkout that converts better and a payments operation that is far simpler to run.
Why teams choose us
Merchants move to a unified layer to win back lost sales and retire stack complexity. Here is what that looks like once online payments run through one connection.
Every transaction is scored and sent to the acquirer most likely to approve it. Fewer false declines means more revenue reaching your account, not leaking at checkout. On high volumes, even a small lift in approval rate compounds into a meaningful gain.
Show cards, digital wallets and account-to-account options that feel local in each market. Familiar methods at checkout lift conversion in the regions you sell to.
One integration replaces a backlog of separate provider builds. Connect once, then switch on new methods and acquirers from a dashboard instead of a code release.
If an acquirer slows or a bank declines, the engine cascades to the next route in the same request. Your checkout sees one clean result and your sale survives.
Move volume by cost, currency or approval rate from a policy you edit yourself. No vendor ticket, no redeploy, and no gateway lock-in on your own contracts.
Settlements, fees, refunds and chargebacks from each provider reconcile in a single normalised export that flows straight to your finance stack. Month-end stops being a manual merge of mismatched provider files.
How it works
From signature to first live transaction, the path is short. You integrate once, then shape everything else — methods, markets and routing — as configuration. The four steps below are the whole journey, and most of the work after the first connection is done in the dashboard rather than in code.
Drop in our unified API or a prebuilt checkout. A single integration is the only thing your engineers wire up — everything downstream is configuration, not code.
Switch on cards, wallets and SEPA online payments per market from the dashboard. Keep your existing acquirer deals or add ours; the routing layer sits in front of both.
Tell the engine what to optimise for — approval rate, processing cost or settlement currency. Cascading retries on soft declines are on by default and tunable per rule, so you can balance revenue and fees without touching the integration.
Push real traffic, watch approvals in real time, and let every settlement land in one ledger. Refunds, disputes and reporting are handled from the same console.
Where it fits
The same orchestration layer serves a checkout selling one product and a marketplace paying out thousands of sellers. A few of the most common patterns:
Sell into new countries without standing up a new acquirer each time. Local methods and currencies appear at checkout while a single contract sits behind them.
Recover failed renewals automatically. Smart retries and account updater logic keep recurring revenue flowing instead of churning on a soft decline.
Route split payments and payouts across many sellers through one connection, with reconciliation that keeps every party's ledger straight.
Handle large baskets, staged charges and multi-currency capture, with the redundancy that high-value transactions demand at peak booking times.
These patterns overlap more often than not. A subscription business expanding abroad needs recurring-payment recovery and local methods at the same time; a marketplace running events needs split payouts and peak-time resilience together. Because every capability sits on one integration, you combine them without adding vendors — and you can change the mix as the business changes, rather than committing to a setup you will outgrow in a year. For deeper dives on the same stack see merchant acquiring, the credit card payment processor layer, the unified merchant portal, and the end-to-end payment processing process.
Capabilities
Everything you need to take, route, secure and reconcile a payment lives in one platform — no extra vendors bolted on around the edges.
Read the API documentationLocal rails
In euro markets, bank transfer and direct debit are often the methods buyers trust most. topropay puts SEPA online payments next to cards and wallets behind the same API, so you can offer low-cost account-to-account options without onboarding a separate provider.
The routing engine treats a SEPA rail like any other route: it can sit in the cascade as a fallback, or lead for customers who prefer to pay from their bank. Settlement from every rail still reconciles into one ledger, so adding a local method never fragments your reporting.
Beyond the euro area, the same model covers the local methods buyers reach for first — iDEAL in the Netherlands, Bancontact in Belgium, Blik in Poland and many more. Offering a method a customer already trusts removes friction at the most fragile moment of the sale. And because it all flows through one integration, you never rebuild your checkout to add the next one.
Industry relevance
Wherever revenue depends on a checkout that converts and clears, the same unified layer applies. Teams across these sectors run their online payments through topropay.
The platform is built for both mainstream and demanding, high-volume merchants, and it serves payment service providers that resell capacity to their own customers. What stays constant across every sector is the shape of the problem: take the payment, get it approved, keep it compliant and account for it cleanly. Solve that once, with one integration, and a new product line or a new country becomes a configuration change rather than a project.
Trust & compliance
Handling money online means handling regulation. The platform is built so the heavy compliance lifting sits with us, keeping your own scope small.
Card data is captured and stored in a tokenised vault built to PCI DSS, keeping your own scope to a minimum.
3DS2 and SCA are applied per transaction so European card payments stay compliant by default.
Data is processed under EU data-protection rules, with residency options for merchants that need them.
Redundant acquiring and automatic failover keep checkout available through outages and traffic spikes.
The compliance burden is the same whether you run a hosted storefront or a fully custom checkout. It is also the part most teams underestimate. topropay keeps card data inside a tokenised vault and applies authentication on every transaction. So we hold the regulated surface, and your own systems never touch raw card numbers. That keeps your PCI scope small, your audits shorter and your engineers focused on the product — not on payment security plumbing.
Common questions
You integrate once. Add our unified API or a prebuilt checkout, switch on the methods you want per market, and you can take online payments on your website the same week. There is no separate build for each acquirer or card scheme.
Three things: a single integration, your choice of payment methods, and a routing policy. Most of the work after the first connection is configuration in the dashboard rather than engineering, so accepting online payments scales without new releases.
Yes. SEPA online payments and other account-to-account rails sit alongside cards and wallets behind the same API. You can offer bank transfers and direct debit in euro markets without a separate provider relationship.
You can. topropay is an orchestration layer, not a closed gateway. Point your current acquirers at our API and we add smart routing on top — your pricing and contracts stay exactly as they are, with no lock-in.
Local acquiring, currencies and methods span Europe, the UK, APAC, LATAM and other regions. As you expand, you switch on new markets from the dashboard rather than integrating a new provider for each one.
It is built for scale. Per-transaction routing, cascading retries and redundant acquiring are designed for merchants and PSPs processing serious volume across multiple markets and acquirers.
Every settlement, fee, refund and chargeback is normalised into a single ledger, regardless of which acquirer or method handled the payment. You export one consistent dataset to your ERP or data warehouse instead of merging a file per provider, which is usually the slowest part of accepting online payments at scale.
No. Routing decisions are made in milliseconds and run inside the same payment request, so customers experience a single, fast result. Cascading retries on a soft decline happen behind the scenes — the shopper does not see a failed attempt, just an approval.
Book a discovery call. We map your current setup, score where payments leak today, and scope a single-API rollout across your markets — cards, wallets and SEPA included. No PSP renegotiation, no stack rebuild.
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