Connect global and local payment methods through one integration.
Cards, wallets, bank transfers, open banking, local APMs, and payouts — accessible through a single API, with new methods added as you expand into new markets.
Every method, behind one integration.
Pick a category to see what we cover, how it integrates, and what to expect on settlement, refunds, and regional coverage.
Card payments
Global card schemes through a unified API — tokenization, 3-D Secure 2, network optimizations, and recurring support built in.
Explore cardsBank transfers
SEPA, SEPA Instant, ACH, Faster Payments, and high-value wire — with reconciliation, mandates, and return-code handling abstracted.
Explore bank transfersOpen banking
Account-to-account pay-by-bank with PSD2-compliant flows, built-in consent, and the lower fees that come with skipping card rails.
Explore open bankingMobile wallets
Apple Pay, Google Pay, and regional wallets surfaced automatically by device, country, and merchant configuration.
Explore walletsLocal APMs
Alternative payment methods customers actually use locally — Pix and Boleto in LATAM, iDEAL and BLIK in Europe, and more.
Explore local APMsPayouts
Push money out to cards, bank accounts, and wallets — useful for marketplaces, gaming payouts, and operator settlement.
Explore payoutsOne API, every method, on your timeline.
You don't need to plumb each method individually. Methods sit behind the same payment object — turn them on when a market opens up, without rewriting the integration.
Choose the method
Pick the methods relevant to the markets you serve. Each one has the same payment lifecycle and the same webhook shape.
Configure a provider
Connect an acquirer or scheme partner for the method. Paytone supports multiple providers per method for routing and fallback.
Integrate once
Use the same payments.create call with a different method string. New methods plug in without touching your checkout code.
Expand as you grow
Add methods as you enter new markets. Routing rules, reconciliation, and reporting automatically include the new flows.
Methods aren't bolted on — they're orchestrated.
Every method is a first-class citizen in Paytone's routing engine. You can apply the same fallback logic, the same retry policies, and the same risk rules across cards, wallets, bank rails, and open banking — without writing separate code paths for each.
- Unified payment object — cards, wallets, and bank rails share the same lifecycle and webhook contract.
- Per-method routing — set rules per method, region, currency, or risk profile.
- One reconciliation surface — finance teams reconcile every method through one report set.
Add a method. Or every method.
Talk to the team about the methods you need in the markets you serve, and what it would take to ship them in your stack.