One hub. Infinite connections.
Turnipay sits between payment service providers and merchants as an intelligent orchestration layer — eliminating fragmentation and routing every transaction to the optimal PSP in real time.
Platform architecture
PSPs connect once. Merchants integrate once. Turnipay handles everything in between.
Six steps, end to end
PSP Connects Once
Payment service providers integrate with Turnipay via a single standardised API. Capabilities, pricing rules, and routing preferences are configured in the dashboard — no per-merchant work required.
- Standardised REST API with comprehensive documentation
- Capability declaration: methods, currencies, geographies
- Pricing and fee structure configuration
- Routing weight and preference settings
- Sandbox environment for full integration testing
Merchant Integrates Once
Merchants connect to Turnipay with a single API integration and instantly gain access to every connected PSP, payment method, and currency — without any additional development work.
- Single API endpoint for all payment methods
- SDKs for Node.js, Python, PHP, Ruby, Go, and Java
- Drop-in UI components for checkout flows
- Webhook-based event notifications
- Unified reconciliation and reporting
Smart Routing Decides
Every transaction is evaluated in real time by the Turnipay routing engine. The optimal PSP is selected based on approval rate history, cost, geography, payment method, and merchant-defined rules.
- Real-time approval rate optimisation
- Cost-based routing with fee transparency
- Geographic and regulatory routing rules
- Fallback routing on PSP failure or timeout
- Merchant-configurable routing overrides
Settlement & Reconciliation
Turnipay normalises settlement data across all connected PSPs into a single, consistent format. Merchants receive unified reports regardless of which PSP processed each transaction.
- Normalised transaction data across all PSPs
- Automated daily reconciliation reports
- Multi-currency settlement support
- Dispute and chargeback management
- Exportable data in CSV, JSON, and PDF
Real-time Visibility
A unified dashboard gives merchants and PSPs complete visibility across every transaction, routing decision, approval rate, and settlement — in real time, across all payment methods.
- Live transaction monitoring dashboard
- Approval rate analytics by PSP and method
- Cost analysis and optimisation insights
- Custom reporting and data exports
- API access to all analytics data
Compliance & Security
Turnipay operates as a PCI DSS Level 1 certified intermediary. Sensitive card data is tokenised and never stored on merchant infrastructure, reducing compliance scope significantly.
- PCI DSS Level 1 certified infrastructure
- End-to-end encryption for all data in transit
- Network tokenisation support (Visa, Mastercard)
- SOC 2 Type II and ISO 27001 certified
- Reduced merchant PCI compliance scope
Ready to connect?
Whether you're a PSP looking to reach new merchants or a merchant simplifying your payment stack — get started today.