SpicePay

Every processor.
One integration.
Full control.

SpicePay puts cards, wallets, buy-now-pay-later, and crypto behind a single API and checkout — with one dashboard for payments, refunds, disputes, and subscriptions across your whole processor fleet.

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Orchestrates your accounts on

  • Stripe
  • NowPayments
  • Cryptomus
  • Mollie
  • PayPal
  • EPayOuts
  • PaySepro
  • Klarna
  • Creem

The whole payment stack, orchestrated

Everything in the SpicePay Control Center is built for the people who run payments — dense, auditable, and honest about what's happening.

Connectors

Stripe, PayPal, Mollie, Klarna, NowPayments, Cryptomus, Creem, EPayOuts, and PaySepro — connected with your own merchant accounts. Your processor relationships stay yours.

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Fiat & crypto together

Cards, wallets, and buy-now-pay-later next to cryptocurrency — one checkout, one transaction list, one reconciliation instead of a split-brain setup.

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Surcharging

Recover payment costs where it's legal. Rule-based surcharges with compliance guardrails for capped and prohibited markets built in.

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Subscriptions

Recurring billing with decline-aware smart retries, dunning emails, and account updater — renewals and retry state visible in one place.

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Disputes & refunds

One queue for chargebacks across every processor, deadline-sorted, with evidence formatted per processor. Refunds tracked to completion.

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Payment analytics

Approval rates, volume, fees, and failure reasons across your whole fleet — by connector, method, currency, and region. No more per-processor silos.

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Customer vault

PCI Level 1 vault with unified customer records and saved payment methods — one payment history per customer, whatever processor was involved.

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Hosted checkout & links

A conversion-tuned, brandable checkout at checkout.spicepay.net, plus payment links for charging without writing code — minimal PCI scope for you.

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Teams & access control

Per-person accounts with built-in and custom roles, enforceable 2FA, blocklists, and a full login audit trail. Infrastructure-grade operations.

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One checkout

Cards and crypto, without the split brain

Most merchants who accept crypto run it as a bolt-on beside their card provider — two integrations, two dashboards, two reconciliation jobs. In SpicePay, crypto is just another payment method: same checkout, same payment lifecycle, same webhooks, same transaction list.

  • Crypto via NowPayments and Cryptomus next to cards via Stripe, Mollie, and PaySepro
  • On-chain confirmations mapped onto the standard payment lifecycle — no special-case fulfillment code
  • Fiat-equivalent amounts recorded at payment time for clean reporting
  • Method availability rules per region and currency decide what checkout offers
Payments docs →

request

curl https://api.spicepay.net/payments \
  -H "api-key: prd_****************" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 4900,
    "currency": "EUR",
    "payment_link": true,
    "return_url": "https://your-shop.example/thanks"
  }'

response (trimmed)

{
  "payment_id": "pay_V4t1RJgSy4hoBQzoqqRz",
  "status": "requires_payment_method",
  "amount": 4900,
  "currency": "EUR",
  "client_secret": "pay_V4t1RJgSy4hoBQzoqqRz_secret_…",
  "payment_link": {
    "link": "https://checkout.spicepay.net/pay/…",
    "payment_link_id": "plink_o5GQyLvJ"
  }
}
Stripe connected

auth rate 97.1%

latency 380ms

NowPayments connected

auth rate 98.6%

latency 540ms

Mollie connected

auth rate 96.9%

latency 395ms

PayPal connected

auth rate 95.8%

latency 530ms

Connectors

Your merchant accounts, our orchestration

Connect processors with your own credentials — your money flows and processor relationships stay yours. Add a second account on the same processor for another legal entity, watch per-connector health, and disable a degrading provider without losing its history.

Connector docs →
processor connectors
9
currencies, fiat & crypto
135+
platform uptime
99.99%
dashboard for everything
1

From the blog

All posts →

July 8, 2026

Your dispute process is only as good as your worst dashboard

Chargebacks arrive with deadlines. Checking three processor dashboards to find them is how deadlines get missed.

June 24, 2026

Crypto and cards in one checkout, without the split brain

Accepting cryptocurrency usually means a second integration, a second dashboard, and a second reconciliation job. It shouldn't.

June 2, 2026

Introducing SpicePay: payment orchestration with an edge

One integration, every processor — cards, wallets, BNPL, and crypto behind a single API and dashboard.

Ready when you are

Every SpicePay merchant is onboarded personally by our team — compliance, processor lineup, and migration planning included. Tell us about your setup.

Contact salesExplore the docs