Smart routing across 18 PSPs
The engine picks the rail with the highest predicted success for each shopper, based on BIN, country, time of day, merchant category, device class and 12 other signals. Decision in 14ms, routing in 240ms p95, end-to-end.
Whaliepay routes your card payments, A2A transfers and wallets across 18 PSPs in real time, picks the rail with the highest success rate for each shopper, and gives your finance team one ledger across the lot. Built for marketplaces, SaaS, ticketing and gaming.
SOC 2 Type II · ISO 27001 · PCI-DSS L1 · 18 PSP integrations · 240ms p95 · EU-hosted
Whaliepay sits one layer above your PSPs — Stripe, Adyen, Mollie, Checkout.com, Worldpay, eighteen of them. We route each transaction to the rail with the highest predicted success for that exact shopper, retry on failure within 200ms, and give your finance team one ledger across the lot.
The engine picks the rail with the highest predicted success for each shopper, based on BIN, country, time of day, merchant category, device class and 12 other signals. Decision in 14ms, routing in 240ms p95, end-to-end.
When a charge declines on one PSP, retry on the next within 200ms — the shopper never sees the failure. Median uplift on auth rate: +4.6% across our customer base.
Live graphs of success rate by PSP, BIN, country and method. Drill down to a single failed transaction in three clicks. Slack alerts when a PSP's rate drops below threshold.
Choose the cheapest FX rail per currency pair — interbank, your settlement bank or the acquirer. Saves 60-180 basis points per transaction on average.
Cards are tokenised once and reusable across every connected PSP. Migrate acquirers without re-collecting cards from your customers.
One double-entry ledger across all PSPs, A2A providers and wallets. Auto-reconciled to your bank within 4 hours of settlement, with discrepancies flagged for the finance team.
Whaliepay does not replace your PSPs — it sits one layer above them. Connect what you already have, write the routing rules in plain language, and let the engine do the daily work.
One API call per PSP — or pick from 18 pre-built integrations: Stripe, Adyen, Mollie, Checkout.com, Worldpay, Braintree, Cybersource, Nuvei, Tilopay, plus A2A providers and wallets.
"EU card → Adyen primary, Stripe fallback. US card → Stripe primary, Braintree fallback. SEPA → Mollie." Written in plain language in the console, version-controlled.
Every transaction is routed in sub-200ms. Failures retry on the next rail within 200ms, invisible to the shopper. Every decision logged for audit.
The ledger reconciles to your bank within 4 hours of settlement, auto-flagging discrepancies. Finance closes the month from one screen, not from eighteen PSP exports.
Whaliepay's console shows you the routing decisions in real time — by PSP, by BIN, by country, by hour, by amount band. Drill down to a single transaction, see which rail it hit, why, and the alternative we could have routed it to.
Whaliepay's routing language reads like English: "EU card under €100 → Adyen, Stripe fallback. EU card over €500 → Stripe, Adyen fallback. Non-EU card → Checkout.com only. iDEAL → Mollie." Write it in the console, version it like code, deploy with a click. Roll back in one tap if the data says otherwise.
Real customers, real numbers, signed off by their CFO for the homepage. Anonymised where they asked us to.
We were on Stripe-only for years, watching the auth rate fall as we expanded into Italy and Spain. Whaliepay's routing engine lifted our auth rate by 5.2% in the first month — €1.4M of recovered revenue, on the same shoppers, on the same products. The cheque cleared in week two.
The FX optimisation alone was worth the platform. We were settling EUR-to-GBP through one acquirer at a 250bp markup; Whaliepay routes the GBP leg through our settlement bank at 60bp. Quarterly saving: €380K. The product roadmap built itself from there.
Our auditors used to want CSV exports from six PSPs and a long story about how we reconciled them. Now they get one Whaliepay export with PSP-stamped journal lines and a reconciliation report. The audit moved from three weeks to four days.
Whaliepay charges per routed transaction. No per-user seat fee, no per-PSP integration tax, no FX markup hidden in the rate. Just one number per transaction, falling with volume.
5 connected PSPs, smart routing, cascading retries, observability console.
All PSPs, FX optimisation, tokenisation vault, multi-rail ledger, Slack alerts.
Custom volume pricing, multi-entity ledger, dedicated SLA, named success engineer.
All plans · pay-as-you-route · no monthly minimum · cancel from console anytime · FX margins passed through at cost
No. Whaliepay is a routing and reconciliation layer one level above your PSPs. We never touch the money — funds flow from your shopper to your PSP to your bank, on the existing rails. We sit in the routing decision and the reconciliation step.
Most Crew-tier migrations are 5 working days end-to-end. We mirror your traffic in shadow mode for 48 hours, validate the routing decisions match what your single PSP would have done, then flip the switch. No customer is impacted, no card is re-collected.
Whaliepay adds a median 14ms decision overhead and a p95 of 28ms before forwarding to the PSP. End-to-end p95 (including PSP RTT) sits at 240ms across our customer base, on cards. A2A is faster.
Yes. Whaliepay handles the 3DS handshake on behalf of the PSP that requires it, supports frictionless authentication for low-risk shoppers, and routes to the PSP with the best frictionless rate for each shopper. SCA exemptions are managed centrally.
We measure auth rate (authorisations / attempts) and capture rate (captures / authorisations) per PSP, BIN range, country, method, hour band and amount band. The console exposes every cut. Our SLA is on transparency, not on uplift — every customer sees the raw data.
We don't run a free trial — orchestration platforms are too deep to evaluate in 30 days. Instead, we run a free routing audit: send us a CSV of one month of declines from your current PSP, we model the uplift on your real data and share the projection signed under NDA. Results in 5 working days.
Chargebacks remain with the PSP that processed the charge — they own that lifecycle. Whaliepay surfaces them in the unified console with the original routing context, helps you build evidence with the captured signals, and tracks win rate across PSPs.
Yes. Whaliepay routes A2A transactions (TrueLayer, Tink, GoCardless Instant) the same way it routes cards. The routing engine includes A2A in the decision when the merchant has enabled it and the shopper's bank supports it.
Free routing audit on your real data. Signed NDA, results in 5 working days, projected auth-rate uplift and FX savings sent back as a PDF. No commitment past the audit.