Capabilities designed for real payment operations.
Each capability exists to solve a specific operational problem that compounds as your payment stack grows. Built to help you scale safely, stay operable, and keep control as complexity increases.
One integration. Every provider.
Connecting a single PSP is straightforward. Connecting five — each with its own API contract, field mapping, authentication model, and error format — is where engineering time disappears.
Tokeflow provides a unified integration model across all supported providers. You send one request. Tokeflow normalizes it for the target PSP, handles authentication, maps fields, and returns a standardized response — regardless of which provider processed the transaction.
- Unified request/response model across all PSPs
- Provider-specific field mapping handled internally
- Add or remove providers without code changes on your side
- Per-merchant connector configuration — each merchant can have its own PSP credentials and settings
- Support for cards, wallets, Pix, boleto, and local payment methods through the same API surface
Adding a new provider to your stack should take hours, not sprints.
Multi-Provider Orchestration
One integration. Every provider.
Route every transaction with precision.
Not all transactions should go to the same provider. A high-value international card transaction has different needs than a domestic Pix transfer. A provider that performs well in Brazil may have poor approval rates in Mexico.
Tokeflow's routing engine lets you define exactly how transactions flow — and what happens when they don't.
- Route by payment method, currency, region, BIN range, transaction value, or provider priority
- Tree-based routing architecture with conditional branching (THEN/ELSE logic)
- Cascade control: define which failure types trigger a retry on the next provider (soft declines, technical errors) and which terminate immediately (hard declines, fraud flags)
- Maximum cascade depth configurable per routing profile
- Routing profiles scoped by payment method — cards, Pix, boleto, and wallets can each follow independent routing logic
- Real-time provider selection based on the rules you define
You define the strategy. Tokeflow executes it consistently on every transaction.
Smart Routing
Route every transaction with precision.
Failures are inevitable. Lost transactions aren't.
Providers go down. Transactions get soft-declined. Timeouts happen during peak traffic. Without a fallback strategy, every failure is a lost sale and a support ticket.
Tokeflow's cascade engine handles failures automatically based on your routing rules — retrying on the next eligible provider without your platform needing to intervene.
- Automatic fallback execution when a provider returns a retriable failure
- Error taxonomy classification: SOFT_DECLINE and TECH_ERROR trigger cascade; HARD_DECLINE and FRAUD terminate
- Configurable cascade siblings — control how many providers are attempted per branch (MVP default: up to 3)
- Consistent request handling — the same transaction context is passed to the next provider without data loss
- Timeout management per provider connection
Your customers experience one checkout attempt. Behind the scenes, Tokeflow may have tried three providers to make it succeed.
Resilience & Fallback
Failures are inevitable. Lost transactions aren't.
One event format. Every provider.
Every PSP sends webhooks differently — different payloads, different event names, different retry policies, different authentication methods. When you operate three or four providers, your webhook handler becomes a mess of conditionals and provider-specific parsing.
Tokeflow normalizes all provider events into a single, consistent format before forwarding them to your platform.
- Standardized event schema across all connected providers
- Normalized event types: `payment.authorized`, `payment.captured`, `payment.declined`, `payment.refunded`, `payment.disputed`, and others
- Provider-specific webhook ingestion with signature verification handled by Tokeflow
- Outbound webhook delivery to your platform with retry logic and delivery confirmation
- Per-merchant webhook configuration — different merchants can receive events at different endpoints
- Event log with full traceability (provider raw payload → normalized event → delivery status)
Your integration handles one event format. Tokeflow handles the rest.
Webhook & Event Normalization
One event format. Every provider.
Strong authentication, optimized per route.
3D Secure is mandatory in many markets and beneficial in others — but applying it incorrectly increases friction and drops conversion. The challenge is knowing when to trigger it, which version to use, and how to handle it across different providers that each implement 3DS differently.
Tokeflow orchestrates 3DS flows as part of the routing decision, not as a bolted-on step.
- 3DS 2.x support orchestrated at the transaction level
- Per-route 3DS strategy — enable, disable, or conditionally trigger based on transaction attributes
- Provider-agnostic 3DS handling — Tokeflow abstracts the differences between how each PSP implements the authentication flow
- Challenge and frictionless flow support
- 3DS data passed through the routing cascade — if a transaction fails on one provider after 3DS, the authentication result carries forward to the fallback provider where supported
Apply 3DS where it matters, skip it where it doesn't, and never lose the authentication result during a cascade.
3DS Orchestration
Strong authentication, optimized per route.
Better credentials. Better approval rates.
Traditional card-on-file transactions use static PANs that expire, get reissued, or get flagged. Network tokens replace the PAN with a dynamic, network-issued credential that stays current and is recognized as more trustworthy by issuers.
Tokeflow supports network token capabilities where available, improving authorization rates and credential lifecycle management.
- Network-level tokenization through supported providers and card networks
- Token provisioning and lifecycle management — tokens update automatically when a card is reissued
- Improved authorization rates: network tokens are cryptographically bound and carry lower risk scores with issuers
- Reduced false declines on recurring and card-on-file transactions
- Transparent to your integration — Tokeflow handles token provisioning and usage behind the same API
Availability depends on provider and card network. Tokeflow maps the optimal tokenization strategy per route during onboarding.
Network Tokens
Better credentials. Better approval rates.
Keep credentials current. Reduce involuntary churn.
When a customer's card expires or is reissued, stored credentials go stale. The next recurring charge fails — not because the customer churned, but because their card number changed. Account Updater solves this by automatically refreshing stored card data before it causes a failure.
- Automatic card credential updates when a card is reissued, expired, or replaced
- Reduces involuntary churn and failed recurring payments
- Works with supported providers and card networks
- No customer action required — credentials are refreshed behind the scenes
- Particularly valuable for subscription businesses and platforms with stored payment methods
Every failed recurring payment is revenue lost and a support ticket created. Account Updater prevents both.
Account Updater
Keep credentials current. Reduce involuntary churn.
Know exactly what happened. Always.
When a payment fails, when a customer disputes a charge, when a provider returns an unexpected status — you need to know exactly what happened, in what order, and why. Not tomorrow. Now.
Tokeflow maintains a complete operational trail for every transaction from the initial request through every routing decision, provider interaction, and status change.
- Full transaction lifecycle log: request received → routing decision → provider selected → request sent → response received → event emitted
- Every routing branch and cascade attempt is recorded, including why a provider was skipped or why a cascade was triggered
- Provider raw request/response stored alongside normalized data
- Searchable by transaction ID, merchant, provider, status, date range, and error type
- Designed to support dispute resolution, incident investigation, compliance audits, and operational debugging
- Data retention policies aligned with PCI DSS and operational requirements
In a dispute, the question is never "what happened" — it's "can you prove it." Tokeflow records everything.
Audit & Traceability
Know exactly what happened. Always.
One platform. Many merchants. Proper isolation.
If your platform serves multiple merchants — whether they're sellers on a marketplace, clients on a SaaS, or sub-brands in an enterprise — you need each one to operate independently without leaking data, credentials, or configuration across boundaries.
Tokeflow's multi-tenant model is built around a clear hierarchy: Organization → Merchants → Connectors → Routing Profiles.
- Organization-level governance with merchant-level operational isolation
- Each merchant has independent PSP connector credentials, routing profiles, webhook endpoints, and operational data
- Role-based access control at the organization and merchant level
- Merchant onboarding without code changes — configure a new merchant through the API or dashboard
- Cross-merchant analytics at the organization level without exposing individual merchant data to peers
- Designed for platforms that manage 10 merchants or 10,000 — same model, same isolation guarantees
Your merchants don't share credentials, routing rules, or operational data. Ever.
Multi-Tenant Governance
One platform. Many merchants. Proper isolation.
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.