Payment orchestration for Indian exporters
Stop losing international sales to card declines
SwitchFlow smart-routes every payment across the Stripe and Adyen accounts you already own — and automatically retries declined cards on your fallback gateway in under 2.5 seconds. Your customer never notices. Your revenue does.
14-day free trial · No card required · Live in under a day
International declines are killing exporter revenue
If you sell globally on a single gateway, you’re paying an invisible tax.
~8%
of revenue silently lost
Cross-border cards fail for reasons you can’t see or control — issuer risk rules, 3DS friction, regional acquiring mismatches. Your gateway just says "card_declined".
1
gateway = single point of failure
When your only gateway declines a legitimate card or has an outage, the sale is simply gone. The fix is well known — wiring it up yourself is a multi-week engineering project.
₹ crores
to get enterprise orchestration
Existing orchestrators sell multi-crore contracts with long sales cycles and heavy integrations. Nobody serves the exporter who needs this working by Friday.
Live in four steps, not four sprints
No new gateway accounts. No engineering project. Signup to first routed payment in under a business day.
Connect
Paste the API keys of the Stripe and Adyen accounts you already own. We verify them live against the gateway and store them encrypted — you see a masked fingerprint, never the key again.
Configure
Drag and drop your gateway priority. Choose what triggers failover — hard declines, timeouts, gateway errors. Fraud-class declines are never retried, by design.
Integrate
Hand your developer the Integration Kit: a checkout widget snippet, one server-side API call, and one unified webhook. A half-day job with a sandbox test-card matrix to prove it works.
Recover
From the first live transaction, declined cards automatically retry on your fallback gateway in under 2.5 seconds. Watch the "recovered revenue" number grow on your dashboard.
Built to be integrated in half a day
Your Integration Kit contains everything a developer needs: API keys, the checkout widget snippet, the payment-session endpoint, and a webhook with signing secret.
- One server-side call per checkout — create a payment session, get back a client secret.
- One unified webhook schema, no matter which gateway captured the payment. HMAC-signed, retried up to 5 times.
- Card data goes browser → PCI-certified vault. It never touches your servers — or ours.
- Sandbox test-card matrix: deterministically trigger success, hard decline, and failover before going live.
- Go-live checklist verifies your webhook with a signed test event before live traffic flows.
<script src="https://js.switchflow.io/v1/switchflow.js"></script>
<div id="switchflow-checkout"></div>
<script>
const sf = SwitchFlow("sf_test_pk_9f3ab21c");
sf.mount("#switchflow-checkout", {
clientSecret: session.client_secret, // from your backend
onSuccess: (result) => {
// result.captured_via: "stripe" | "adyen"
window.location = "/thank-you";
},
});
</script>Everything you need to route payments intelligently
Enterprise-grade orchestration, packaged for teams without a payments department.
Smart routing
Priority-based routing across your gateways, configured by drag-and-drop. Reorder anytime; changes activate atomically as versioned rule sets.
Automatic failover
Retryable declines, timeouts, and gateway errors fail over to your next gateway within 2.5 seconds — while the customer’s checkout spinner keeps running.
Unified webhooks
One normalized event schema regardless of source gateway. HMAC-signed, idempotent, retried up to 5 times with exponential backoff. 99.9% delivery target.
Analytics that answer the question
"Recovered revenue via failover" as a headline number. Auth rates by gateway, decline-reason breakdowns, per-attempt drill-down, CSV export for reconciliation.
Graceful degradation
If every gateway is down, your customer sees an alternative payment method — never an error page. You get an alert and a webhook, not a support ticket.
Security by architecture
Vault tokenization keeps card data out of your scope and ours. Gateway keys live encrypted in a secret manager; API secrets are shown once and stored hashed.
Trust & compliance
Compliance-light by architecture, not by promise
SwitchFlow was designed backwards from the regulatory line: no card data, no funds, no license required.
Card data never touches us — or you
Your customer’s card goes directly from their browser to a PCI-certified vault. SwitchFlow and your servers only ever see a token. That keeps PCI compliance at the lightest self-assessed level (SAQ-A) for both of us.
Your money never flows through SwitchFlow
Funds settle directly from your gateway into your accounts, exactly as they do today. We never hold, pool, or settle merchant funds — which is precisely what keeps this outside RBI Payment Aggregator licensing scope.
Your gateway keys are ring-fenced
Credentials are verified live, then stored encrypted in a dedicated secret manager — never in our database, logs, or error messages. You see a masked fingerprint. Every rotation is audit-logged.
Flat monthly pricing. We never take a cut.
14-day free trial on every plan — no card required. One recovered failed payment typically pays for the month.
Starter
For exporters getting started with routing.
₹5,000/month
- 2 connected gateways
- Smart routing + failover
- Unified webhooks
- Core analytics
- Email support
Growth
For growing volumes and finance teams.
₹15,000/month
- Everything in Starter
- Higher transaction volume
- CSV export & reconciliation views
- Team roles (Admin / Viewer)
- Priority support
Scale
For serious cross-border volume.
₹30,000/month
- Everything in Growth
- Highest volume band
- Additional gateways on request
- Mobile dashboard apps (roadmap)
- Founder hotline
Tiers are bounded by monthly transaction volume. Pricing finalized at signup during early access.
Frequently asked questions
Do I need new gateway accounts?
No. SwitchFlow routes across the Stripe and Adyen accounts you already own. You paste your existing API keys, we verify them live, and settlements continue landing directly in your accounts exactly as they do today.
Do you hold or touch our funds?
Never. Funds flow directly from the gateway to you. SwitchFlow never holds, pools, or settles merchant money — that is a deliberate architectural line that also keeps us outside RBI Payment Aggregator licensing scope.
What about PCI compliance?
Card details go straight from the customer’s browser to a PCI-certified vault — they never touch SwitchFlow or your servers. That keeps both of us at SAQ-A, the lightest self-assessed PCI level.
Which gateways are supported?
Stripe and Adyen at launch. Additional gateways are added based on merchant demand.
Does it work for UPI or domestic Indian payments?
Not yet. SwitchFlow is focused on international card payments — that’s where exporters lose the most revenue. Domestic methods are on the roadmap.
How much integration work is it really?
About half a day for one developer: drop the widget snippet into your checkout, make one server-side API call per checkout, and register a webhook URL. A sandbox test-card matrix lets you verify routing and failover before going live.
What happens if both gateways go down?
Your customer sees your configured alternative payment method (like a PayPal button) instead of an error page. You get an immediate alert and a webhook. Retries halt cleanly at a 4.5-second ceiling — no zombie charges.
Will failed cards be retried even when they shouldn’t be?
No. Fraud-class decline codes (stolen card, fraud suspected) are never retried, by construction. Only retryable declines, timeouts, and gateway errors trigger failover.
Recover your first declined payment this week
Connect the gateways you already own, set your routing priority, and hand your developer the Integration Kit. Live in under a day.
14-day free trial · No card required · Cancel anytime