The topropay platform
topropay is a pure routing layer. It routes, retries and reconciles every payment across hundreds of EU acquirers. No white-label gateway. Your PSP deals stay yours. Four systems you would otherwise build in-house, run as one API.
Four layers, one platform
The platform splits into four jobs. Each is a system you would normally build, staff and maintain. We run all four. One API covers everything.
Integrate once. Reach hundreds of acquirers, PSPs and local payment methods across the EU. You keep your PSP deals. We add the routing layer above them.
Each payment is scored on BIN, currency, amount, card brand and live approval rates. It goes to the route most likely to clear. Rules live in config. No code release needed.
When an acquirer soft-declines, we retry against the next bank in a ranked list. The retry runs server-side. Your checkout sees one clean result.
Settlement files, fees, chargebacks and payouts land in one unified ledger. Captures auto-match to settlements. Mismatches get flagged. Exports go to your ERP or data warehouse.
The path of one payment
One API call does the work of an entire payment stack. Here is what happens between your checkout and your ledger. Topic deep-dives sit on merchant acquiring, the credit card payment processor, the unified merchant portal, the payment processing process, PCI compliance and the payment provider overview.
Your checkout sends one request to the topropay API. The same call works for every market and every acquirer.
The routing engine scores each payment. It picks the acquirer most likely to approve. SCA and 3DS2 run where needed.
If the first bank soft-declines, we cascade to the next ranked route. No extra call from you.
The cleared payment is captured, settled and matched in one ledger. Fees are listed and exported to your finance stack.
Compliance, built in
Card data is stored as tokens the moment it reaches our vault. Raw card numbers never touch your servers.
Strong Customer Auth (SCA) runs per transaction. Exemptions are checked live to cut checkout friction.
Frictionless and challenge flows run in-band. Each payment goes to the issuer with the best approval rate.
Book a discovery call. In one session we map your current acquirers. We model the approval-rate uplift from smart routing. Then we scope a single-API build across your EU markets. No PSP renegotiation. No stack rebuild.