Tokeflow VS Lobby Code

Tokeflow'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 — 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 — 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 — 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 — 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 — 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 — 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.