Payment Orchestration Engine
When Stripe bans you, your revenue doesn't stop. Our intelligent routing engine and PCI-DSS Level 1 token vault automatically shift transactions across global processors — keeping your business alive, your customers paying, and your growth uninterrupted.
Why peptide brands lose $2M+ annually
Stripe, Square, and traditional processors terminate peptide accounts without warning. Revenue drops to zero overnight.
When a processor terminates, all stored customer payment tokens are lost. Recurring billing stops. Customer re-entry causes 40%+ churn.
Most brands rely on 1-2 processors. When one goes down, there's no backup. Manual re-onboarding takes 2-6 weeks.
Three-layer architecture that never goes down
Customer payment data is encrypted and stored in our vault. Tokens never leave our infrastructure. When a processor drops, tokens stay — we just point to a new processor.
Every transaction is routed in real-time across 6+ global processors based on approval rates, fees, latency, and risk tolerance. If one goes down, traffic shifts in <50ms.
Pre-screening ensures each transaction goes to the processor most likely to approve it. Chargeback monitoring, velocity checks, and risk scoring keep your account healthy.
From customer checkout to settlement
6 global processors. One decision engine. Zero downtime.
How the engine picks the optimal processor
Routes to processor with highest historical approval rate for specific card type, issuer, and transaction amount. Real-time feedback loop adjusts based on last 1,000 transactions.
When approval rates within 3%, selects lowest-fee processor. Fee differential analysis runs per-transaction to maximize merchant margin.
If processor error rate exceeds 5% in 60 seconds, automatically removed from routing pool. Traffic redistributes to healthy processors within 50ms.
If primary processor declines, automatically retries through next-best within 200ms — without customer knowing. Up to 3 retries per transaction.
Your customers' payment data. Never lost. Never exposed.
tok_8x7k2m...)Once a merchant's customer base is tokenized in our vault, switching providers means:
Real-time routing decisions across the processor network
| Time | Amount | Card | Issuer | Processor | Result | Latency | Fee |
|---|
How PeptidePay makes money and saves merchants millions
Once tokens are in our vault, merchants cannot leave without losing their entire payment infrastructure. Extreme switching costs.
More merchants = more data = better routing = higher approval rates. This flywheel compounds over time.
Generic orchestrators don't understand peptide/telehealth risk profiles. We do. Our routing engine is trained on this vertical.