Tokeflow
YUNO
Spreadly
Primer.io
CommitCat
Tokeflow is an API-first, white-label payment orchestration platform that lets software companies, marketplaces and platforms embed payments as a native feature of their own product โ under their own brand, dashboard and domain. Instead of locking you into a single processor, Tokeflow sits as an intelligent layer in front of multiple PSPs. Each merchant connects their own provider accounts (Stripe, Pagar.me, Mercado Pago and more), and every transaction is routed to the best provider by country, currency, payment method, card brand, amount or custom rules โ with automatic cascading fallback to recover declines and lift approval rates. At its core is a proprietary recurring billing engine built for real-world complexity: subscriptions, trials, upgrades and downgrades with proration, installment plans, configurable dunning and retries, network-token credential management and end-of-month-safe scheduling. Cards and PIX work out of the box, on a single canonical transaction model that keeps reconciliation and auditing simple. Tokeflow is multi-tenant by design: an Organization governs the environment while each Merchant owns its connectors, routing and operations โ so one platform can serve many sub-merchants, each configured differently. A self-service Customer Portal lets end-customers manage their own subscriptions and payment methods. PCI and security complexity are absorbed by the platform, keeping merchants in the lightest possible compliance scope while they retain full technical autonomy โ no merchant-of-record, no vendor lock-in. Inbound and outbound webhooks, strict idempotency and a complete append-only audit trail keep the entire payment flow reliable, observable and predictable. Offer payments as if the technology were your own โ Tokeflow is the engine underneath.
TokeflowTokeflow's answer
Most products in this space are one thing: a routing layer, or a billing tool, or a hosted checkout. Tokeflow combines multi-PSP orchestration, a serious proprietary recurring-billing engine, and true architecture-level white-labeling in a single platform โ designed from the ground up to disappear inside another company's product as if it were their own technology. Each sub-merchant keeps its own PSP accounts, routing strategy and billing rules, and the platform absorbs the PCI and infrastructure complexity so its customers stay in the simplest compliance scope. No merchant-of-record, no vendor lock-in.
Tokeflow's answer
Because Tokeflow is built for companies that want to own their payment relationships and their brand, not rent them. Competitors usually force a trade-off: smart routing but no real recurring billing, or strong billing tied to a single processor, or an orchestrator that puts its own brand in front of your customers. Tokeflow delivers multi-PSP routing with fallback, a full recurring-billing engine, deep white-label and PCI-scope reduction together โ with each merchant keeping its own PSP accounts and zero lock-in. It's API-first, so it embeds cleanly into an existing product, with first-class support for cards and PIX for Latin American volume.
Tokeflow's answer
Software platforms, SaaS products, marketplaces and integrators that want to offer payments as a native, branded feature to their own merchants or users โ without becoming a PSP or a merchant-of-record themselves. They typically have recurring revenue (subscriptions, installments) and multi-PSP needs, often operate in or are expanding into Latin America, and want orchestration, recurring billing and PCI-scope reduction without building it in-house. The buyer is usually technical โ a CTO, head of payments or platform engineering lead.
Tokeflow's answer
Tokeflow was created by a founder-engineer who kept hitting the same wall: every company that sells online eventually has to wrestle with multiple PSPs, local payment methods, recurring-billing edge cases, failed-payment recovery and PCI compliance โ and the existing orchestration tools either weren't truly white-label or didn't take recurring billing seriously. So the goal became building the layer that should have existed: clean enough to live invisibly inside someone else's product, opinionated enough to handle the hard parts of subscriptions and routing, and disciplined about absorbing the compliance complexity that scares most teams away. The result is a platform that lets any company offer payments as if the technology were its own.
Tokeflow's answer
Tokeflow's backend runs on Node.js and TypeScript with the NestJS framework, organized as a modular, domain-driven architecture (tenancy, routing, transactions, billing, webhooks). Data is stored in PostgreSQL, with asynchronous processing and webhook handling powered by a managed message queue and worker services. The dashboards and Customer Portal are built with Next.js, React, TypeScript and Tailwind CSS. Everything runs on AWS cloud infrastructure behind a CDN/WAF edge layer. Sensitive card data is handled via network tokenization and an isolated card-data environment, so raw card numbers never touch Tokeflow's own backend โ which is what keeps merchants in a minimized PCI scope.
Tokeflow's answer
Tokeflow is an early-stage platform currently onboarding its first merchants, so it isn't publicly naming customers yet. Reference accounts will be shared as the rollout progresses.
YUNO - YUNO is a web data driven company focussed on solving customer challenges in web data discovery and extraction space.
Spreadly - Digital and NFC business cards for businesses and single users
Primer.io - Build brilliant commerce & payment experiences
