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Payment reliability infrastructure

Never lose revenue because a payment provider is down.

Karyopay intelligently routes transactions across multiple payment providers, automatically recovering from outages and provider failures so your business can continue accepting payments without interruption.

Join the waitlist See how it works
Live Routing Simulation

₦48,500 Checkout Nigeria Card NGN

LIVE
01
Checkout Customer initiates payment
02
K
Karyopay Intelligent router receives request
Paystack Primary route
Waiting
Flutterwave Backup route
Waiting
Monnify Bank fallback
Waiting
Stripe International route
Waiting
PayPal Wallet route
Waiting
03
Waiting for response Karyopay has not returned the final checkout status yet
Higher success rate Maximize approved transactions
Automatic failover Instantly try the next best provider
Real-time monitoring Track provider health continuously
Built for reliability Infrastructure-grade transaction flow
Routing Log (Live)

Waiting for checkout event... 

{
  "amount": 48500,
  "currency": "NGN",
  "strategy": "sequential_failover",
  "attempted_providers": [],
  "current_provider": "pending",
  "final_provider": "null",
  "status": "initializing",
  "response_code": "pending",
  "message": "Awaiting checkout"
}

Provider names are shown for planned integration and routing illustration.

The problem

A customer is ready to pay but your provider is not.

Imagine a customer trying to complete checkout on your store, fund their wallet, renew a subscription, or pay for a service — but the payment provider you depend on is slow, unavailable, or failing.

12:04 PM Customer starts payment

They enter their card, approve the payment, and expect the transaction to go through immediately.

12:05 PM Provider is unavailable

Your payment provider is timing out, degraded, or temporarily unable to process the transaction.

12:06 PM Payment fails

The customer sees a failed transaction, gets frustrated, and may not retry the payment.

12:07 PM You lose revenue

One failed transaction becomes abandoned checkout, support complaints, and money your business should have collected.

The issue is not that payment providers fail. The issue is having no automatic backup when they do.

Most businesses only find out there is a payment problem after customers start complaining. By then, the sale may already be lost.

Single-provider dependency Your checkout depends on one provider being available every time.
Manual recovery Teams have to investigate failures and switch providers by hand.
Poor visibility You may not know which provider is failing until customers report it.
The solution

Karyopay gives your payment stack a reliability layer.

Instead of sending every transaction to one provider and hoping it works, Karyopay monitors the route, attempts the best provider first, and automatically recovers when a provider fails.

Without Karyopay One provider. One point of failure.
Customer Checkout
Provider Unavailable
Payment failed Revenue lost. Customer frustrated.
With Karyopay Multiple providers. One reliable route.
Customer Checkout
Reliability layer Karyopay
Paystack Waiting
Flutterwave Waiting
Monnify Waiting
Waiting for response Karyopay is still checking available routes.
01 One integration

Connect once to Karyopay and manage multiple payment providers behind one reliability layer.

02 Automatic failover

When one provider fails, Karyopay automatically attempts the next available route.

03 Provider intelligence

Track provider availability, transaction performance, and routing outcomes in one place.

04 Revenue protection

Recover transactions that would otherwise fail because of provider downtime or degraded performance.

Karyopay does not replace your payment providers.

It makes your existing providers more reliable by routing transactions intelligently across them.

How it works

Add reliability to your payment stack in three steps.

Karyopay is designed to sit quietly behind your checkout, monitor your payment routes, and recover transactions before your customer notices a provider problem.

01
Connect your providers

Add your existing payment providers such as Paystack, Flutterwave, Monnify, Stripe, or PayPal.

02
Define routing rules

Choose how transactions should be routed based on country, currency, provider health, payment method, and priority.

03
Route and recover automatically

Karyopay monitors provider responses and automatically fails over when a provider becomes unavailable or unreliable.

Example routing rule

If Paystack fails, try Flutterwave. If Flutterwave fails, try Monnify.

Your customer still sees one checkout experience. Karyopay handles the provider decision, fallback attempt, and final response behind the scenes.

Paystack Primary route
Flutterwave Backup route
Monnify Fallback route
Waiting Routing decision not started
Who it's for

Built for businesses where failed payments become lost revenue.

Karyopay is designed for businesses that process online payments regularly and cannot afford provider outages, transaction failures, or payment reliability issues.

E-commerce Businesses

Every failed checkout is a customer who may never come back.

Online stores · Retail platforms · DTC brands
SaaS Platforms

Failed subscription payments affect revenue and customer retention.

SaaS · Software platforms · Membership products
Fintech Products

Wallet funding, transfers, and collections depend on provider uptime.

Wallets · Lending · Financial services
Marketplaces

Multiple buyers and sellers mean payment failures compound quickly.

Multi-vendor · Booking · Service platforms
The ideal early-access customer

Growing businesses already processing payments and beginning to feel the impact of provider reliability issues.

If payment failures, provider downtime, transaction delays, or routing complexity are becoming operational concerns, Karyopay was built for exactly that stage of growth.

Growing Processing payments regularly
Scaling Adding new markets and payment methods
Protecting Reducing avoidable payment failures
Join the waitlist

Request early access to Karyopay.

Tell us a little about your business and payment setup. This helps us prioritize early users who are already experiencing payment reliability challenges.

Private early access Limited rollout for selected businesses.
Built with feedback Your answers help shape the first version.
Referral enabled Invite others and move up the waitlist.
1 Contact
2 Business
3 Payments
Step 1 of 3 Tell us who you are

We need your basic contact details for early access updates.

Step 2 of 3 Your business

This helps us understand the type of businesses joining Karyopay.

Step 3 of 3 Your payment setup

Tell us what you currently use and what problems you face.

Which providers do you currently use?

By joining, you agree to receive relevant updates about Karyopay early access.

Frequently asked questions

Questions founders and operators ask.

Everything you need to know about Karyopay and our early access program.

Karyopay is a payment orchestration and reliability platform that helps businesses route payments across multiple providers, automatically fail over when a provider becomes unavailable, and gain visibility into payment performance from a single platform.

No. Karyopay works alongside your existing payment providers. You can continue using providers such as Paystack, Flutterwave, Monnify, Stripe, and PayPal while Karyopay intelligently manages routing and reliability.

Our initial rollout is planned to support Paystack, Flutterwave, Monnify, Stripe, and PayPal, with additional providers being added based on customer demand.

When a payment provider becomes unavailable or experiences degraded performance, Karyopay can automatically route eligible transactions through another configured provider.

No. Karyopay is designed for growing SaaS platforms, e-commerce businesses, fintechs, marketplaces, and digital businesses that rely on online payments.

We are currently onboarding businesses through our waitlist and conducting customer discovery interviews. Early access invitations will be sent in batches.

Pricing has not yet been finalized. Waitlist members will be among the first to receive pricing updates and early access offers.