How PayKord Works Under the Hood
PayKord unifies intelligent payment routing, double-entry ledger accounting, recurring billing, and instant multi-currency settlement into a single developer-friendly rail tailored for global tech exporters.
The 3-Layer Unified Platform
Founders and software exporters shouldn't have to stitch together fragmented tools or manage fragile integrations across borders. Everything operates seamlessly through one cohesive infrastructure.
Shared Master Infrastructure
Built on high-performance database clustering and low-latency in-memory cache partitions to guarantee zero transaction locking conflicts and enterprise resilience.
- •High-performance clustered database partitions ensuring strict data isolation
- •Sub-millisecond memory caching for session tokens and high-throughput transaction locks
- •99.99% uptime architecture with automated multi-zone replication and continuous backups
Specialized Financial Microservices
Every financial responsibility is separated into specialized, independently scalable microservices running in isolated high-speed containers.
- •Smart 3DS2 Router: High-velocity card checkout router with automated multi-gateway fallback
- •Core Banking Ledger: Precision double-entry accounting engine ensuring zero floating-point math errors
- •SaaS Billing Engine: Automated recurring subscriptions, metered usage billing, and intelligent dunning
- •Digital KYC & KYB Portal: Real-time identity verification workflows for individuals and registered businesses worldwide
- •Developer Webhook Engine: Cryptographically signed webhook delivery with automated exponential retries
Unified Developer Dashboard & REST Gateway
Startups, software agencies, and remote contractors interact through a single, modern developer dashboard and one unified REST API. To the merchant, it feels as smooth and intuitive as Stripe.
- •Single API key (`pk_live_...`) to accept domestic cards, international cards, Apple Pay, and USDC
- •Drop-in React checkout components, hosted payment links, and customizable invoice pages
- •Direct real-time settlement triggers connecting directly into domestic commercial bank accounts
Six Built-In Financial Engines
Every engine handles a specific payment requirement with institutional security and high-speed execution.
Smart 3DS2 Card Router
Ultra-Fast 0.2ms Cascading Engine
Dynamically inspects incoming card BINs. If a US or European bank card hits a soft decline or strict security flag on one acquiring switch, PayKord automatically cascades it to an alternate rail with zero customer friction.
Double-Entry Core Ledger
Strict Immutable Ledger Math
Enforces immutable double-entry accounting. Tracks every cent and dollar with atomic guarantees, multi-currency accounts (USD, EUR, GBP, USDC), marketplace splits, and 0% rolling reserve holds.
SaaS Subscription Engine
Flexible Plans & Smart Dunning
Enables SaaS founders worldwide to launch recurring monthly/annual plans, bill seat-based usage, invoice enterprise clients, and automatically recover failed subscriber payments through intelligent retry logic.
5-Minute Automated KYC & KYB
Digital Document Verification
Collects government ID for freelancers and corporate registration for businesses digitally. Verifies merchants in minutes without manual bank branch visits, certified stamps, or weeks of bureaucratic delay.
Developer Webhook Dispatcher
Zero-Loss HMAC Signed Delivery
Delivers cryptographically signed webhook notifications to merchant servers whenever a customer payment succeeds, fails, or an automated recurring subscription renews.
Borderless Crypto Settlement
0.5% Flat Fee • Zero FX Spread
International buyers can pay with USDC/USDT at an industry-low 0.5% flat fee. Merchants can hold digital dollars or convert directly into local currencies at transparent interbank exchange rates with zero hidden FX margins.
Ready to integrate the modern global payment rail?
Join Wave 1 to secure 0% fees on your first $10,000 processed and early developer API access.