Smart transaction routing
Direct every transaction to the provider most likely to authorize it, using rules you control by cost, geography, method and performance.
Payment Orchestration Platform
Payment orchestration for PSPs, acquirers & enterprise merchants.
Connect to 90+ payment providers, optimize transaction routing, and increase approval rates through a single payment orchestration platform.
- One integration
- 90+ providers
- Cloud, private cloud & on-premises
- Test Mode included
Available integrations
Route across the providers your business already uses — connected through one orchestration layer.
- Visa
- Mastercard
- Stripe
- Adyen
- Worldpay
- Checkout.com
- PayPal
- Klarna
- Apple Pay
- Google Pay
- PayU
- dLocal
Integration availability varies by region and commercial agreement. Provider names indicate connectivity scope and do not imply partnership or endorsement.
What Transaqo controls
One layer between your checkout and every provider you depend on.
Transaqo sits as a vendor-neutral orchestration layer above acquirers, gateways, fraud tools and alternative payment methods — so routing logic, risk workflows and credentials are defined once and applied everywhere.
Cascading payment flows
Automatically retry declined transactions through fallback providers in sequence to recover revenue that would otherwise be lost.
Coordinated fraud management
Connect multiple fraud-prevention providers and build customized risk workflows across your transaction flow.
Tokenized data storage
Securely store and reuse payment credentials through a centralized, tokenized vault that works across multiple processors.
Unified operations dashboard
Monitor activity, review analytics and manage operational settings across every connected provider from one control center.
White-label gateway
Operate orchestration under your own brand, with configurable checkout, reporting and merchant-facing surfaces.
Smart transaction routing
Route every transaction to the provider most likely to approve it.
Define routing rules by cost, currency, card scheme, geography and historical performance — then let Transaqo apply them in real time across all connected providers.
- Rule-based routing by cost, method and region
- Weighted distribution across acquirers
- Performance-aware provider selection
Active routing rule
EURCards
Lowest costPrimary
USFailover
3-D SecureConditional
Cascading payment flows
Recover declined transactions before they become lost revenue.
When a transaction is declined, Transaqo automatically retries it through fallback providers in the sequence you define — improving recovery without touching your checkout.
- Configurable retry sequences and conditions
- Decline-reason aware fallbacks
- Full visibility into every attempt
Transaction · attempt sequence
1Provider ADeclined · insufficient funds
2Provider BDeclined · do not honor
3Provider CApproved
Risk & data security
Fraud, authentication and tokenization — coordinated in one place.
Bring risk tooling, strong authentication and credential storage into the same orchestration layer, so security decisions travel with every transaction.
Coordinated fraud management
Connect multiple fraud-prevention providers and build customized risk workflows using solutions such as Signifyd, Riskified and other supported platforms.
Authentication & 3-D Secure
Apply strong customer authentication and 3-D Secure where it is needed, with rules that balance approval rates against risk and regulatory requirements.
Tokenized payment data storage
Securely store and reuse payment credentials through a centralized, tokenized vault that works across multiple processors and providers.
Unified operations dashboard
Run every connected provider from one control center.
Oversee payment activity, review analytics, monitor provider performance, investigate transactions, and manage operational settings from one self-service control center.
- Cross-provider analytics and reporting
- Transaction search and investigation
- Self-service operational configuration
Approvals by provider
Approval rate
Volume by provider
Decline reasons
Built for different payment models
Different operating models, one orchestration layer.
From merchants optimizing payment performance to PSPs and technology partners building new payment propositions, Transaqo supports different operating models, technical requirements and growth strategies.
Payment service providers
Expand provider coverage and offer routing, cascading and risk orchestration to your merchants under your own brand.
Acquiring banks
Extend reach beyond your own rails and give merchants resilient, multi-provider processing without rebuilding infrastructure.
ISOs & resellers
Bring orchestration, reporting and a white-label gateway to your portfolio with a single technical integration.
Fintech platforms
Embed payment orchestration into your product and route across providers programmatically through one API.
Enterprise merchants
Consolidate acquirers and methods, improve approval rates and gain unified visibility across global operations.
Platforms & marketplaces
Coordinate complex payment flows, multiple providers and regional methods from a single orchestration layer.
Deployment
Deploy the way your infrastructure and compliance require.
Transaqo is built to run in the environment that fits your operational, data-residency and regulatory needs.
Cloud
Fully managed, multi-tenant deployment for the fastest path to production.
Dedicated
Isolated, single-tenant environment for stricter performance and separation needs.
Private cloud
Deployment within your own cloud account to meet data-residency and governance policies.
On-premises
Run inside your own data center for full infrastructure and compliance control.
For developers
One API. Every provider. A real Test Mode.
Integrate once and orchestrate across all connected providers. Explore the behavior of routing, cascading and tokenization in Test Mode before going live.
# Create a payment — Transaqo routes it for you
curl https://api.transaqo.com/v1/payments \
-H "Authorization: Bearer tq_test_•••" \
-d 'amount=4200' \
-d 'currency=EUR' \
-d 'routing=smart' \
-d 'cascade=true'
# Response
{
"id": "pay_3xK9...",
"status": "approved",
"provider": "provider_c",
"attempts": 3,
"mode": "test"
}Get started
See Transaqo orchestrate your payments.
Book a demo with our team to scope your integration, or explore the platform yourself in Test Mode.