White-Label Payment Orchestration. The infrastructure behind your platform.
Connect multiple providers, apply smart routing rules, and standardize payment operations — under your own brand. Start at any scale and grow without rebuilding.
Designed for companies that embed payments into their product.
Tokeflow is built for businesses where payments need to work as a native part of the platform — not as a patchwork of separate integrations managed by different teams.
Plataform & SaaS
Offer a unified payment experience inside your product, under your own brand. Onboard merchants, configure providers per client, and scale without building a team.
Marketplaces & Integrators
Operate multiple sellers with proper isolation, per-merchant routing, and normalized event handling. Reduce the operational fragmentation that grows with every new provider.
Fintech & Checkout
Build payment products on top of the orchestration layer. Route across acquirers, manage 3DS per route, and expand regional coverage without multiplying backend complexity.
Shipping payments is never "just one integration."
Providers differ in APIs, field requirements, authentication models, and operational behavior. Over time, teams accumulate retries, fallback logic, method-specific flows, and reconciliation overhead — until payments start slowing down the product roadmap.
Tokeflow takes over the orchestration layer. Your brand stays front-and-center. We handle the infrastructure behind the scenes.
The orchestration layer between your product and your payment providers.
Tokeflow standardizes how your platform connects PSPs, manages routing decisions, and operates payment events across merchants, regions, and methods — without exposing complexity to your end users.
Tokeflow does not process or settle funds. Processing and settlement are handled by the payment service providers your business contracts with.
From setup to live operations in four steps.
Tokeflow turns multi-provider payment complexity into a controlled operating model.
Connect Providers
Add payment providers and configure merchant-level credentials. Each PSP connection is a configuration, not a new integration project.
Define Routing Logic
Set rules by payment method, currency, region, BIN range, transaction value, or provider priority. Define what happens on failure — which providers cascade, which terminate.
Integrate Once
Use one API and one SDK to manage payments, merchants, connectors, webhooks, and transaction operations. No provider-specific code paths.
Operate with Control
Monitor routing decisions, cascade attempts, provider responses, and webhook deliveries through a single operational layer. Full audit trail for every transaction.
White label by design — not by a theme switch.
- Your customers experience payments as a native feature inside your platform — no "Powered by" badge, no redirect, no third-party UI.
- Operate multiple merchants with proper governance, credential isolation, and operational separation.
- Expand providers, regions, and payment methods without exposing orchestration complexity to your end users.
Built for real payment operations — not just connectivity.
Each capability solves a specific operational problem that compounds as your payment stack grows.
Multi-Provider Orchestration
Connect and operate across dozens of PSP integrations through a unified API model. Add or remove providers without code changes on your side.
Smart Routing Rules
Route transactions by method, region, BIN, value, risk signals, performance, or priority. Tree-based routing with conditional branching logic.
Resilience & Fallback
Handle provider failures with controlled cascade strategies. Soft declines and technical errors trigger automatic retry on the next eligible provider.
Webhooks & Event Normalization
Receive and emit standardized events across all providers and merchants. One format. One delivery model. Full delivery tracking.
3DS Orchestration
Enable strong authentication flows where required. Optimize 3DS strategy per route. Authentication results carry through cascade.
Network Tokens
Improve authorization rates and credential continuity with network-level tokenization where supported by provider and card network.
Account Updater
Reduce recurring payment failures by keeping stored card credentials current when cards are reissued or expired.
Auditability & Traceability
Full operational trail for every transaction — from initial request through routing decisions, provider interactions, and event delivery.
Multi-Tenant Governance
Manage organizations and multiple merchants with independent credentials, routing profiles, webhook endpoints, and operational data.
Global and regional coverage. One operational layer.
Tokeflow connects global PSPs, regional acquirers, and local payment methods through a unified integration model. Add coverage as you grow — without rebuilding the surrounding orchestration logic.
Built for serious environments.
- Sensitive data minimization — Cardholder data handled through PCI-certified vault infrastructure. Your platform handles tokens, not card numbers.
- Encryption & secrets management — TLS 1.2+ enforced on all endpoints. AES-256 at rest. PSP credentials stored in encrypted, access-controlled secret stores.
- Tenant isolation — Each merchant operates with independent credentials, routing profiles, and operational data. No cross-tenant data exposure.
- Operational traceability — Append-only audit log for every transaction. Designed to support dispute resolution, incident investigation, and compliance audits.
Built for teams who ship.
Tokeflow provides a unified API surface to manage merchants, connectors, routing profiles, transactions, webhooks, and operational queries. One integration replaces dozens of provider-specific code paths.
SDKs available for Node.js, Python, and Go. Full API documentation and sandbox access provided during onboarding.
// Create a payment with smart routing and automatic fallback
const payment = await tokeflow.payments.create({)
amount: 9900,
currency: 'BRL',
method: 'credit_card',
merchant_id: 'merch_abc123',
routing: {
profile_id: 'rp_smart_brl',
fallback: true
},
payment_method: {
token: 'tok_card_...'
}
});
// payment.id → "pay_x7k9m2..."
// payment.status → "authorized"
// payment.provider → "stripe"
// payment.routing_trace → [{attempted: "stripe", result: "authorized"}]See Tokeflow inside your product.
Share a few details about your use case and we'll schedule a technical demo tailored to your stack. Sandbox access included.
Frequently asked questions
Tokeflow is a white-label payment orchestration platform that sits between your product and your payment service providers. It provides a unified API for connecting multiple PSPs, defining smart routing rules, normalizing transaction events, and managing multi-tenant payment operations. Tokeflow is software infrastructure — it does not process, transmit, custody, or settle funds. Payment processing and settlement are performed by the payment service providers your business contracts with directly.
Payment orchestration is a layer of technology that coordinates how a business connects and operates multiple payment service providers through a single integration. Instead of building and maintaining separate integrations for each PSP, a payment orchestration platform provides a unified API that handles provider connections, transaction routing, fallback logic, webhook normalization, and operational management. This allows businesses to add or remove providers, optimize routing strategies, and scale across regions and payment methods without rebuilding their payment infrastructure each time.
No. Tokeflow is designed to be completely invisible to your end customers. Your customers see your brand, your checkout experience, and your platform interface. There is no "Powered by Tokeflow" badge, no redirect to a third-party page, and no external UI element. Tokeflow runs entirely in the background as infrastructure, while your brand and product experience remain in the foreground. This is what white-label by design means — Tokeflow was built from day one to stay behind your product.
No. Tokeflow is strictly software infrastructure for payment orchestration. It does not process payments, hold customer funds, act as a merchant of record, or perform settlement. Payment processing and settlement are handled entirely by the payment service providers that your business contracts with directly. Tokeflow orchestrates the connection, routing, and operational layer between your platform and those providers — but the commercial and financial relationship with the PSP remains yours.
A single payment provider handles everything through one integration — which works well at small scale. But as your business grows, you encounter limitations: a single approval rate you can't optimize, a single point of failure during outages, limited coverage for new regions or payment methods, and no fallback when transactions are declined. Tokeflow sits on top of your providers and adds orchestration: smart routing between multiple PSPs, automatic cascade on failures, normalized events across providers, and multi-tenant management. You keep your existing provider contracts and add the operational layer that lets you route, optimize, and scale across them.
Yes. Tokeflow is built for multi-tenant operations from the ground up. Each merchant on your platform gets its own entity inside Tokeflow with independent PSP connector credentials, routing profiles, webhook endpoints, and transaction data. Merchant A's configuration, credentials, and operational data are fully isolated from Merchant B's. This model is designed for platforms, SaaS products, and marketplaces that onboard businesses needing independent payment configurations — without sharing state or leaking data between tenants.
Tokeflow supports 40+ integrations across global PSPs, regional acquirers, local payment methods, digital wallets, and card network services. Supported providers include Stripe, PayPal, Checkout.com, Mercado Pago, Pagarme, SumUp, Square, Paystack, and others. Payment methods include credit and debit cards (Visa, Mastercard, Amex, Elo), Apple Pay, Google Pay, Pix, Boleto, iDEAL, SEPA, and additional regional methods. Coverage spans Latin America, North America, Europe, and Africa, with new integrations prioritized based on client demand. Feature availability — including 3DS, Network Tokens, and Account Updater — varies by provider and region.
Tokeflow's routing engine uses a tree-based architecture where you define rules that determine which provider receives each transaction and what happens on failure. You can route by payment method, currency, region, BIN range, transaction value, or provider priority. When a transaction fails with a soft decline or technical error, the cascade engine automatically retries on the next eligible provider in the chain — without the customer seeing anything but a smooth checkout. Hard declines and fraud flags terminate immediately. Routing profiles are scoped per payment method and per merchant, so different merchants on your platform can have completely different routing strategies.
Yes. Tokeflow provides a RESTful API that covers the full payment orchestration lifecycle: merchants, connectors, routing profiles, payments, refunds, webhooks, and operational queries. SDKs are available for Node.js/TypeScript, Python, and Go — each is a thin wrapper around the REST API with no hidden logic. For client-side card tokenization, Tokeflow provides an embeddable JavaScript SDK that captures card data in isolated iframes, tokenizes through PCI-certified vault infrastructure, and returns a payment token — keeping your platform out of PCI scope. Sandbox access with test card behaviors is provided during onboarding.
Most integrations reach sandbox-tested status within one to two weeks. The API follows consistent patterns across all resources, so once you understand one endpoint, the rest follow the same model. To get started, schedule a demo through the form on this page. We'll review your use case, map your provider landscape, and walk through the platform live in sandbox. Every engagement begins with a working sandbox environment — you evaluate with real API calls, not slide decks. If the fit is right, we support your technical onboarding from sandbox to production.