PaymentKit

PaymentKit is a multi-processor billing platform that enables SaaS, e-commerce, and specialized businesses to manage the entire billing lifecycle while remaining independent of any single payment gateway. The system supports flat-fee, tiered, usage-based, and hybrid pricing models, automating subscription events such as upgrades, downgrades, pauses, and prorations. It provides a unified dashboard to consolidate revenue metrics, compare processor performance, and handle customer billing through hosted checkouts or self-service portals, giving merchants control over their data and billing operations.

The platform addresses processing reliability by routing transactions to the gateway most likely to approve them based on geography, card brand, and payment method, with automatic failover and cascading declines to handle processor downtime or rejections. PaymentKit includes independent token vaulting to secure wallet credentials under the merchant's control and offers dunning management with adaptive retries and recovery emails to recover failed payments before they result in churn. Merchants can implement the platform using no-code tools or custom APIs and SDKs, allowing for flexible deployment across multiple processors without implementation barriers.