PayEngine logo

PayEngine

by PayEngine - PayCore
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Active1+ countriesCloud
Quick facts
VendorPayEngine - PayCore
Year launchedN/A
StatusActive
LocationPayCore Headquarters: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Countries served1+
Languages10
Integrations4+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About PayEngine

PayEngine is a technical middleware platform for vertical SaaS companies to manage embedded payments.

PayEngine is a specialized middleware platform designed for vertical SaaS companies that need to embed payments into their own software products. Unlike traditional payment processors that often prioritize vendor lock-in, PayEngine acts as an orchestration layer, allowing SaaS platforms to maintain control over their processor relationships, data, and merchant experiences. The platform excels in providing a unified API that abstracts the complexity of managing multiple payment partners, offering features like PCI-compliant vaulting, tokenization, and consolidated reporting. For developers, PayEngine offers a flexible integration path ranging from no-code UI widgets and low-code components to a full-featured API. It also addresses the operational side of payments with white-label merchant portals and assisted onboarding tools. By enabling SaaS companies to own their payment infrastructure, PayEngine helps them monetize payments more effectively while providing a seamless experience for their end-merchants. It is particularly well-suited for platforms looking to migrate away from monolithic processors or those needing to support complex, multi-processor payment architectures.

Pros & Cons

Pros
  • Provides full control over processor selection and payment data through middleware orchestration.
  • Offers flexible integration options including low-code widgets and full API access.
  • Simplifies complex payment operations with white-label merchant portals and consolidated reporting.
  • Supports modern payment methods like Tap-to-Pay on mobile devices without extra hardware.
  • Facilitates easier migration from other processors through API emulation and adapter tools.
Cons
  • Pricing is not publicly disclosed and requires a demo or sales contact.
  • Platform complexity may require significant development effort for full API implementation.
  • Operational support is tailored specifically for vertical SaaS platforms rather than general small businesses.

Features

Key features

Processor Orchestration

Allows control over which payment processors are used for specific merchants or transaction types to optimize rates.

PCI/PII Vaulting

Provides secure storage for sensitive payment data to prevent vendor lock-in and ensure compliance.

Custom-Label Merchant Portals

Offers white-label reporting and task management tools for merchants to view transactions, payouts, and disputes.

Tap-to-Pay Solutions

Enables contactless payments directly on mobile devices without requiring specialized hardware.

API Migration Adapters

Supports easy migration from existing processors like Stripe using gateway-only modes and API emulation.

Additional features

Consolidated Reporting

Maintains a central ledger to aggregate data across multiple processors and payment types.

Drop-in UI Widgets

Provides pre-built components for embedding payment functionality directly into SaaS applications.

Operational Support

Includes universal onboarding tools with operator-assisted workflows for merchant setup.

Tokenization

Secures transaction data to reduce PCI scope and maintain flexibility.

Split Payouts

Supports complex financial routing and wallet features for multi-party transactions.

Omni-commerce Hardware

Integrates with bespoke card terminals for in-person payment scenarios.

Fraud Prevention

Implements advanced monitoring to detect and mitigate unauthorized transaction activity.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

1
Countries served
10
Interface languages
19
Billing currencies

Available in

All Countries.

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseRussianChineseJapaneseKorean.

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇨🇭CHF🇳🇿NZD🇸🇬SGD🇭🇰HKD🇸🇪SEK🇳🇴NOK🇩🇰DKK🇰🇷KRW🇿🇦ZAR🇮🇳INR🇨🇳CNY🇧🇷BRL🇲🇽MXN

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