PSPs
APMs & Wallets
Currencies
Merchant Support
10–12 Routing Factors · 4 Cascade Attempts · 1.2s Avg Response · Fiat Settlement · PCI DSS Certified
One contract. One reconciliation feed. One support team. Everything else — the acquirers, the routing, the retries — happens behind the scenes.
Get Started
Account-to-account payments — lower fees than cards, irrevocable, settled in seconds. Powered by leading open-banking aggregators and connected to instant payment rails worldwide.
Real-time scoring against 10–12 routing factors picks the acquirer most likely to approve this payment.
Soft declines retried across up to 4 providers; the final attempt becomes a Paylink emailed to the cardholder.
Tokenization, 3DS cascading, device fingerprinting and dispute automation built into the platform.
One MSB-licensed contract. Drop-in plugins for Wix, WordPress, WooCommerce and OpenCart — live in days, not weeks.
Power your payments with feature-rich, reliable and customizable services — from one orchestration platform.
Every transaction is scored against 10–12 factors, then routed to the provider with the highest predicted success rate.
Sending every payment through a single acquirer leaves money on the table. Different providers approve different transactions better — based on the cardholder’s country, the issuing bank, the currency, the BIN, the time of day, the merchant category, the basket size and dozens of smaller signals. okePay’s orchestration engine evaluates each transaction in real time and picks the provider most likely to succeed for that specific payment.
10–12 routing factors evaluated per transaction:
Each candidate provider is scored, and the route with the highest recent success rate wins the first attempt. The model learns continuously — if an acquirer’s approval rate dips for a given country or BIN range, traffic shifts away automatically. No manual rule maintenance required.
When the first attempt soft-declines, okePay tries the next-best provider — up to four attempts — before the customer ever sees an error.
A “decline” from one acquirer rarely means the card is bad. Often it’s a temporary issuer policy, a velocity rule, or simply a bad match between the payment and that processor. Cascading retries the same payment through alternative providers in milliseconds. The customer doesn’t see four error pages — they see one successful checkout. If even the third attempt fails, we hand the customer a Paylink so they can finish the purchase later through a fourth provider, by email.
First Attempt
Highest-scoring provider from the orchestration engine. Most transactions approve here.
Second Attempt
On soft-decline, the same payment is retried instantly through the next-best alternative acquirer. Customer waits one extra second — no error page.
Third Attempt
If the second route also declines, a third provider is tried — typically an APM or local rail well suited to the cardholder’s country.
Fourth Attempt — Paylink by Email
If all three real-time attempts fail, okePay automatically emails the customer a secure Paylink through a fourth provider. They complete payment when they’re ready — the order isn’t lost, just deferred.
Net result: ultimate success rate.
Orchestration picks the best provider on attempt 1. Cascading recovers what would otherwise be lost on attempts 2–3. Paylink rescues the rest on attempt 4. Together, they routinely lift end-to-end conversion by +8% to +14% versus a single-acquirer setup.
Experience seamless coordination of transactional processes through okePay’s payment orchestration. Our platform binds service providers, acquirers, gateways and banks into one harmonized layer — fine-tuned to act in your interest, not the processor’s.
Three ways to plug okePay into your checkout — pick the one that fits your stack.
Our Flagship Product
Cashier
Connect with global service providers using our fully-customizable iFrame. Tap into a full-stack suite of pre-integrated payment solutions through a feature-packed back-office — no PCI scope on your side.
Learn MoreokePay Powered
Hosted Payment Fields
A behind-the-scenes integration that lets your business embed our credit-card payment fields inside your existing checkout forms. Your cashier — our payment fields, our PCI scope, our orchestration.
Learn MoreYour Cashier, Supercharged
okePay Direct
Built for businesses with their own cashier page. Connect directly with our REST API and expand your payment solutions and global presence — without rebuilding your checkout.
Learn MoreTurn any Android phone into a full payment terminal.
okePay vPOS accepts card-present taps, scan-to-pay QR and Paylink — with QR posters you can print and hang in-store. Run a coffee shop, market stall, event booth or delivery fleet without dedicated POS hardware. Every vPOS transaction flows through the same orchestration & cascading engine, so even card-present payments benefit from automatic routing and retry.
okePay is built for mid- and low-risk merchants — pick your vertical and integrate.
okePay Inc. — MSB-licensed parent entity.
1001 South Main Street, STE 500,
Kalispell, MT 59901, USA.
Ultimately owned by Readen Holding Corporation (OTCID: RHCO).
okePay Asia Ltd.
3303 Cable TV Tower, 9 Hoi Shing Road,
Tsuen Wan, NT, Hong Kong
102 Street AL Khawaneej 1,
No# 20, Plot 281-2785,
Dubai, UAE
