The idea

PaymentKit is a multi-processor billing platform for SaaS and e-commerce. It routes payments across processors, vaults tokens independently, and keeps subscriptions billing even if a MID gets shut down. No code to launch, full API when you need it. What it actually does: Payment orchestration: Connect the processors you already use. Every transaction routes to the one most likely to approve it, and soft declines cascade to the next one automatically instead of turning into lost revenue. Independent vaulting: The part we care most about. Cards, Apple Pay and Google Pay are all vaulted as network tokens under your control, not your processor's. You can add or drop a processor without asking a single customer to re enter anything, and if a MID gets shut down your subscribers never feel it. Subscription billing: Flat, tiered, usage based or hybrid pricing. Hosted checkout and self service portals, live without writing code. Revenue metrics: One dashboard across every processor, so you