Frequently asked.

Paytone is a payment orchestration platform. We sit between your application and the payment providers, acquirers, and methods you use — and we give you a single API, dashboard, and control plane to manage all of them. Think of it as an operating layer for global payments that consolidates integration work, routing logic, and ops tooling in one place.

We're designed for digital businesses processing payments at meaningful scale — typically $1M+ in monthly volume, operating across more than one geography, or running into the limits of a single PSP. Common customers include subscription businesses, marketplaces, iGaming operators, travel companies, SaaS companies, and PSPs building their own white-labelled offering.

Orchestration means coordinating multiple underlying payment providers behind a single integration. You decide which provider handles which transaction based on cost, geography, approval rate, currency, or any other signal you care about — and you reroute on failure automatically. The result: better approval rates, lower processing costs, and the ability to swap providers without rewriting your integration.

No. Paytone sits in front of providers like Stripe, Adyen, Checkout.com, and local acquirers — it doesn't replace them. You keep your existing contracts and processing relationships, and we add the orchestration layer on top. This is by design: we believe customers should pick the underlying providers that serve them best, not be locked into ours.

A payment gateway typically connects you to a single acquirer and provides a checkout. Orchestration is a layer above that — it manages multiple gateways and providers, decides which one handles each transaction, and gives you visibility and control across the entire stack. If you're using more than one PSP, or thinking about adding one, orchestration is what stitches the experience together.

We charge a platform fee — typically a small per-transaction amount that decreases with volume, plus an optional monthly platform fee for enterprise features. Processing fees stay with your underlying provider contracts; we don't add a markup on those. Pricing is transparent and quoted upfront once we understand your volume and use case.

Yes, but at a fraction of a typical PSP fee — the platform fee is a thin layer on top of your underlying processing costs. For most customers, the savings from improved routing and approval rates more than cover our fee.

No setup fee for standard integrations. For white-label or custom infrastructure builds we sometimes charge an implementation fee that reflects the engineering work involved — but it's discussed and agreed upfront, never a surprise on the invoice.

Yes. Per-transaction pricing decreases meaningfully at higher volume tiers, and at enterprise scale we typically move to a custom commercial model. We're happy to share indicative pricing once we understand your monthly volume and growth curve.