One integration.
Every processor.
NxtPay routes every payment across Stripe, Square, and Elavon behind a single API — with automatic failover, so one provider’s downtime never costs you a sale.
No setup fees · Live in minutes · Cancel anytime
Healthy12 ms
Healthy18 ms
Healthy15 msOne processor is a single point of failure
When your only payment provider has an outage, raises your rates, freezes a payout, or declines a good customer — you eat it. Every sale flows through one pipe, and that pipe decides whether you get paid.
NxtPay puts a smart routing layer in front of all of them. Connect Stripe, Square, and Elavon once; we spread volume across them and reroute around trouble automatically — so a problem at one provider is a non-event for your checkout.
One provider degrades → checkouts fail → revenue stops until it recovers. You find out from angry customers.
Traffic reroutes to a healthy provider mid-flight. The customer checks out normally. You see the failover in the dashboard — no fire drill.
One API, every processor
Integrate once. Add, swap, or rebalance Stripe, Square, and Elavon without ever touching your checkout code.
Automatic failover
If a provider degrades, payments reroute to a healthy one instantly. No dropped checkouts, no lost revenue.
Live in minutes
Spin up a hosted checkout and start accepting payments today — no lengthy integration project.
Real-time dashboard
Every transaction, route, and payout — visible the moment it happens, with analytics that actually help.
From signup to settled in three steps
No replatforming. NxtPay sits in front of the processors you already use and makes them resilient.
Connect your processors
Link your Stripe, Square, and Elavon accounts in a few clicks. Funds settle to your own accounts, as always.
We route every payment
Smart load-balancing and automatic failover across your accounts — weighted, round-robin, or capacity-aware, under your rules.
Watch it in the dashboard
Real-time transactions, analytics, and signed webhooks feed straight into your systems. Full visibility, zero guesswork.
Smart routing, the way you'd build it yourself
Two layers of decisioning — which account, then which provider — with safety rails so a retry never costs you twice.
Routing strategies, your call
Split volume by weight, round-robin, least-used, or capacity. Cap a provider per day, prefer your cheapest, or balance evenly — change it anytime, no redeploy.
Health-checked failover
Every route is watched. A provider that starts erroring, times out, or pauses is skipped mid-flight and the payment retries on a healthy account — before the customer notices.
Idempotent by design
Send an Idempotency-Key and retries are safe: an ambiguous or timed-out response never becomes a double charge. The same key always returns the same payment.
Consistent, clean descriptors
Your brand on the hosted checkout; a clean, consistent statement descriptor at the processor. One coherent experience no matter which account a payment lands on.
Your payments, in one calm dashboard
See volume, success rates, and routing health across every processor at a glance. Drill into any transaction, replay a webhook, or rebalance a route — all from one place.
- Live transaction feed across all processors
- Per-route performance and failover events
- Signed, deduplicated webhooks to your endpoints
54%31%15%Everything you need to move money reliably
The routing engine, the safety rails, and the visibility — in one platform.
Smart routing
Weighted, round-robin, least-used, or capacity-aware — split volume across accounts on your terms.
Automatic failover
A provider hiccup reroutes mid-flight to a healthy account. Customers never see an error.
Idempotent by design
Retries and ambiguous responses are handled safely — a payment is never charged twice.
Reliable webhooks
Signed and deduplicated, delivered at-least-once with retries, so your systems stay in sync.
Analytics
Volume, take-rate, and per-route performance — the numbers you need to optimize, in real time.
Built to scale
A single low-latency endpoint engineered for tens of thousands of payments a day.
Wherever payments matter most
If losing a sale to a provider outage would hurt, NxtPay is for you.
Subscriptions
Keep recurring revenue flowing. If a renewal fails on one provider, retry it on another instead of churning the customer.
Marketplaces & platforms
Onboard sellers across providers and route their volume independently, all under one integration.
High-volume retail
Spread tens of thousands of daily payments across accounts to stay within limits and keep approval rates high.
Online storefronts
Fast USD payments through a hosted checkout, routed to whichever provider is performing best — one consistent API.
Run by people who can’t afford a down checkout
From solo founders to marketplace ops teams — NxtPay keeps every payment online behind one integration, so a single processor’s outage never costs you a sale.
Founders · Store owners · Marketplaces · Agencies · Operations teams
One endpoint. Every processor behind it.
Create a payment link with a single call — NxtPay picks the route, runs the charge on the right account, and returns a hosted checkout URL. Send an Idempotency-Key and retries are always safe.
- REST API + hosted checkout
- Signed, deduplicated webhooks
- Idempotency built in
- Public docs, OpenAPI & llms.txt
POST https://payments.nxtpay.cc/v1/payment-links
Authorization: Bearer npk_•••
Idempotency-Key: order-1042
{
"amountCents": 4999,
"successUrl": "https://your-site.com/thanks",
"cancelUrl": "https://your-site.com/cart",
"customer": { "email": "[email protected]" }
}
// → 200 OK
{
"orderId": "8b0e4f1a-…",
"orderNo": "ORD-202607-DW9PGM",
"paymentUrl": "https://checkout.stripe.com/c/pay/cs_…",
"provider": "stripe"
}Always-on by design
Payments are too important to ride on a single provider. NxtPay spreads risk and routes around failure so a sale always has a path.
Questions, answered
Which processors do you support?
Stripe, Square, and Elavon today, behind one API — with more on the way. You connect the accounts you already have.
Where does my money go?
Straight to your own connected processor accounts, exactly as it does now. NxtPay routes and orchestrates the charge; it never holds your funds.
Will my customers notice anything?
No. Checkout stays on your brand, and a payment looks the same to the customer no matter which account it routes to.
How long does it take to integrate?
Minutes. Use the hosted checkout to go live immediately, or call the REST API directly when you want full control.
How does failover actually work?
Each route is health-checked. If a provider starts failing or pauses, the payment is retried on a healthy account — and an Idempotency-Key guarantees it is never charged twice.
Is it secure?
Card data is entered on the processor’s own hosted checkout and never touches NxtPay. Provider credentials are encrypted at rest, and every webhook is signature-verified.
What does it cost?
A small percentage per transaction — no setup fees and no monthly minimums. You only pay when you get paid.
Am I locked in?
No. You own your processor accounts and your customers. Point your checkout back at a provider directly any time.
Simple, usage-based pricing
A small percentage per transaction. No setup fees, no monthly minimums — you only pay when you get paid.
Transparent, all-in. Talk to us about volume pricing.
- Unlimited processors connected
- Smart routing + automatic failover
- Hosted checkout + real-time dashboard
- Signed webhooks + full API access
Let’s talk payments
Questions about routing, volume pricing, or getting set up? Send a note and a real person gets back to you — usually within one business day.
- Just want to try it?Create a free account →
- Building an integration?Read the API docs →
- High volume?Ask about custom routing and pricing.
Start routing payments today
Connect your processors, go live in minutes, and never let a single provider take your revenue down again.