Stop losing sales to your payment stack.
Every declined transaction is lost revenue. Every provider outage is a checkout that never completes. Tokeflow connects your store to multiple acquirers and payment methods — routing each transaction to maximize approval and minimize cost, without rebuilding your checkout.
Your payment provider is a single point of failure.
Most e-commerce operations start with one payment provider. It handles cards, maybe a wallet or two, and it works. Until it doesn't.
A single provider means a single approval rate you can't optimize. A single fee structure you can't negotiate against. A single point of failure that takes your entire checkout offline when it has an incident. And a single set of limitations when you want to expand to a new country, add a local payment method, or reduce decline rates on a specific BIN range.
The stores that grow past this ceiling don't just switch providers — they add providers. And then they need something to orchestrate between them. That's where Tokeflow fits.
The payment problems that cost you revenue.
Approval rates hit a ceiling you can't break
Your provider approves 85% of transactions. The other 15% are declined — some legitimately, many not. Insufficient funds on Provider A might succeed on Provider B with a different acquirer-issuer relationship. With a single provider, you have no alternative. Every declined transaction is a customer who might not come back.
What this costs you: Revenue. Directly. Every percentage point of approval rate improvement on a $10M GMV operation is $100K in recovered sales.
One provider goes down, your entire checkout goes down
PSP outages happen. When your only provider has an incident, your checkout returns errors and customers abandon carts. Multi-provider operations cascade to Provider B automatically — the customer sees a successful checkout.
What this costs you: Downtime revenue loss plus brand damage. A 30-minute outage during peak traffic can cost more than a month of orchestration infrastructure.
Expanding to new markets means starting over
Your current provider may not support Pix in Brazil, or charges premium cross-border fees. Each new market means new integrations and reconciliation flows — a provider-per-region architecture your team maintains manually.
What this costs you: Speed to market. While you're building integrations, competitors are already selling in that market.
What changes with Tokeflow in your payment stack.
Multi-acquirer routing that recovers declined transactions
Connect multiple providers through Tokeflow. Define routing rules and cascades — soft declines retry on the next acquirer automatically. Your approval rate is no longer limited by one provider's relationships.
Smart Routing · Resilience & Fallback · Multi-Provider Orchestration
Zero-downtime payment operations
With multiple providers connected, a single outage doesn't take checkout offline. The cascade engine detects technical errors and routes to the next eligible provider — no war room required.
Resilience & Fallback · Smart Routing
Enter new markets without new integrations
Each new market is a connector configuration and a routing rule — not a new integration project. Your checkout code doesn't change.
Multi-Provider Orchestration · Smart Routing · Integrations
How e-commerce operations use Tokeflow.
DTC brands scaling internationally
Route by country and method — Stripe for US cards, Mercado Pago for Brazilian Pix, Checkout.com for European cards — through one integration and one reconciliation layer.
High-volume stores optimizing approval rates
Cascade routing turns soft declines into approvals. Network tokens and Account Updater reduce false declines on returning customers.
Subscription e-commerce & recurring billing
Account Updater keeps credentials current. Network tokens improve recurring authorization. Cascade routing recovers soft declines.
Multi-brand / multi-store operations
Each store has its own merchant entity with independent connectors, routing, and operational data.
The math behind multi-provider orchestration.
Approval rate recovery
Soft declines are a large share of card declines. Recovering even a fraction via cascade moves real revenue previously lost at the last step.
Downtime revenue protection
Automatic cascade routes to fallback in milliseconds during PSP incidents — revenue impact can drop to zero.
Recurring revenue retention
Account Updater and network tokens reduce involuntary churn on stored card payments over time.
Actual impact varies by operation, provider mix, and market. These scenarios illustrate mechanical effects, not guaranteed results.
What changes in your operation.
| Single provider | With Tokeflow | |
|---|---|---|
| Provider outage | Checkout is offline. You wait. | Transactions cascade to backup. |
| Soft decline | Transaction fails. Customer leaves. | Automatic retry on next acquirer. |
| New market launch | New contract, new integration, weeks of engineering | Add connector, configure routing, go live |
| Card expires on file | Recurring charge fails. Subscriber churns. | Account Updater refreshes credential. |
| Debugging a decline | PSP dashboard + internal logs. | GET /payments/:id/trace — full routing chain. |
| Fee negotiation | One provider, no leverage. | Multiple providers. Route by cost when rates match. |
| Adding Pix to checkout | Build new integration from scratch. | Attach connector. Route BRL Pix. |
A typical e-commerce integration.
await tokeflow.connectors.create({
merchant_id: 'merch_urban_threads',
provider: 'stripe',
credentials: { secret_key: 'sk_live_...' },
config: {
supported_methods: ['credit_card', 'apple_pay', 'google_pay'],
supported_currencies: ['USD', 'BRL']
}
});
await tokeflow.connectors.create({
merchant_id: 'merch_urban_threads',
provider: 'mercado_pago',
credentials: { access_token: 'MP_...' },
config: {
supported_methods: ['credit_card', 'pix', 'boleto'],
supported_currencies: ['BRL']
}
});
// USD cards → Stripe only
await tokeflow.routing_profiles.create({
merchant_id: 'merch_urban_threads',
payment_method: 'credit_card',
currency: 'USD',
rules: { root: { connector_id: 'conn_stripe' } }
});
// BRL cards → Stripe primary, Mercado Pago fallback
await tokeflow.routing_profiles.create({
merchant_id: 'merch_urban_threads',
payment_method: 'credit_card',
currency: 'BRL',
rules: {
root: {
connector_id: 'conn_stripe',
on_soft_decline: { cascade_to: 'conn_mercado_pago' },
on_tech_error: { cascade_to: 'conn_mercado_pago' },
on_hard_decline: { action: 'terminate' }
}
}
});
// Pix → Mercado Pago direct
await tokeflow.routing_profiles.create({
merchant_id: 'merch_urban_threads',
payment_method: 'pix',
currency: 'BRL',
rules: { root: { connector_id: 'conn_mercado_pago' } }
});Tokeflow doesn't replace your provider. It orchestrates between them.
You keep your existing PSP contracts, negotiated rates, and settlement flow. Tokeflow adds the orchestration layer to route between providers, recover declines, and expand to new methods and markets — without changing your commercial agreements or checkout architecture.
Ready to stop losing sales at checkout?
We'll analyze your current approval rates, map your provider landscape, and demo how multi-acquirer routing and cascade fallback work in practice. Sandbox access included.