SpicePay

Introduction

What SpicePay is and how the platform fits together.

SpicePay is a payment orchestration platform. You integrate once — against the SpicePay API and hosted checkout — and accept payments through every processor we support, fiat and crypto alike, with one dashboard for the whole fleet.

One integration, many processors Your app integrates once with the SpicePay API, which routes each payment to one of many processors such as Stripe, PayPal, Klarna, Mollie, or NowPayments. Your app SpicePay API Stripe PayPal Klarna Mollie NowPayments one API routes

Why orchestration?

If you process meaningful volume, a single payment provider becomes a liability:

  • Outages at one processor stop all revenue.
  • Coverage — no single provider offers every payment method your customers want, from cards and wallets to crypto.
  • Fees differ significantly between providers, and negotiating requires you to be able to shift volume.
  • New markets often need a local provider or a payment method your current one lacks.

SpicePay solves this by sitting between your product and the processors. You keep one integration; we take care of the rest.

The platform at a glance

Component URL What it does
Control Center dashboard.spicepay.net Configure connectors, checkout, and teams; monitor payments
Hosted Checkout checkout.spicepay.net PCI-scoped payment page your customers see
API api.spicepay.net Programmatic access to payments, refunds, customers
Docs spicepay.net/docs You are here

Supported processors

SpicePay connects to Stripe, NowPayments, Cryptomus, Mollie, PayPal, EPayOuts, PaySepro, Klarna, and Creem — covering cards, wallets, bank payments, buy-now-pay-later, and cryptocurrency from one integration. See Connectors.

Core capabilities

  • Connectors — connect processors with your own merchant accounts and credentials; SpicePay orchestrates between them.
  • Payments — one payment API across all processors, with hosted checkout, iframe embedding, and payment links. See Payments.
  • WordPress — a no-code plugin that adds SpicePay checkout to any WordPress site. See WordPress.
  • Surcharging — pass payment costs to the customer where regulation permits, with rule-based surcharge logic. See Surcharges.
  • Subscriptions — recurring billing with decline-aware retries and dunning. See Subscriptions.
  • Disputes & refunds — a single queue for chargebacks and refunds across every processor. See Refunds & disputes.
  • Analytics — approval rates, volumes, fees, and failure reasons across your whole fleet, not per-processor silos.

How a payment flows

  1. Your backend creates a payment via the API (or your storefront opens Hosted Checkout).
  2. The customer picks a payment method; SpicePay sends the payment to the connector configured for that method, currency, and region.
  3. Surcharge rules (if configured) adjust the amount presented to the customer before they confirm.
  4. The payment is processed on the connector; webhooks notify your systems and the transaction appears in the Control Center in real time.

Next steps