One integration. 200+ payment methods, 180+ countries, and a 99.99% uptime SLA — backed by AI fraud protection that catches 94% of attacks in real time.
Trusted by 10,000+ businesses across Europe and beyond
Every transaction passes through a battle-tested pipeline — fraud scored, routed, authorized, and settled with full auditability.
Instant payouts available for eligible merchants — funds arrive in minutes, not days.
Enable any method with a single API parameter — no separate integrations, no extra contracts.
Six core capabilities — engineered for reliability, built for scale, ready for the world.
AI evaluates 200+ signals in real time to route each transaction to the acquirer most likely to approve it. Merchants see a +12.7% average lift in authorization rates within the first 30 days — without changing a line of code.
Accept iDEAL, SEPA, Swish, Klarna, PayPal, PIX, UPI, Alipay, WeChat Pay, and 190+ more local payment methods. Local acquiring in 30+ markets means lower cross-border fees and higher approval rates.
Industry-leading 140ms average auth time — measured end-to-end from API call to response. Our edge-deployed processing nodes in 18 regions worldwide minimize round-trip latency for every transaction.
Every transaction scored by our 340M-parameter transformer model in under 50ms. Velocity rules, device fingerprinting, behavioral biometrics, and network graph analysis combine for a 94% fraud catch rate.
Soft declines are automatically retried across alternate acquiring routes using ML-optimised timing and bin routing logic. Merchants recover an average 8.3% of initially-declined revenue without any manual intervention.
REST API with predictable resource-oriented URLs, JSON everywhere, and meaningful HTTP status codes. 40+ native SDKs, event-driven webhooks, a full-featured sandbox, and 100% test coverage. Go live in hours.
// npm install @paymentgate/node
const Paymentgate = require('@paymentgate/node');
const pg = new Paymentgate('sk_live_••••••••••••');
// Create a Payment Intent (idempotent)
const intent = await pg.paymentIntents.create({
amount: 14900, // in cents
currency: 'eur',
payment_method_types: [
'card', 'sepa_debit',
'klarna', 'swish'
],
capture_method: 'automatic',
metadata: {
order_id: 'ord_8821ab',
customer: 'cus_K92jdB'
}
}, { idempotencyKey: 'order-8821ab-attempt-1' });
// Returns immediately; route client_secret to UI
console.log(intent.client_secret);
// "pi_3Px1ab_secret_K8mZ..."
// Webhook confirms final status — never poll
// payment_intent.succeeded → fulfil order
One Payment Intent object handles the entire payment lifecycle — creation, confirmation, capture, refund. Designed around REST conventions you already know.
"Switching to Paymentgate was the highest-ROI engineering decision we made in 2024. Auth rate jumped from 91% to 99.6% in the first month. The AI routing alone pays for our entire processing cost."
"The 140ms auth speed is real — our checkout conversion improved 18% just from the faster UX. Adding Klarna and Swish took 10 minutes. Incredible breadth of payment methods out of one integration."
"$8.4B processed in 2025 across the whole platform tells you everything. The uptime has been flawless. Not a single unplanned outage in 18 months of running our gaming payments through Paymentgate."