PlugToPay
ActivePayment orchestration for e-commerce
Overview
PlugToPay is a payment orchestration layer for e-commerce. Instead of tying your checkout to a single gateway, you connect several and let each transaction take the best path, with automatic fallback to another gateway the moment the first one fails or times out, inside the same request and in under 200ms. It's one API to integrate, with no lock-in: gateways like Pagar.me, Stripe, Safe2Pay, PicPay and PagBank sit behind a single contract.
Beyond routing, the platform covers what a production checkout actually needs: native PIX with a QR code, copy-and-paste string and webhook confirmation; a card vault that tokenizes once and reuses the token across gateways without exposing the card number; marketplace split across sub-accounts; and reliable webhooks with automatic retries and signed payloads. An operations dashboard surfaces approval rate by gateway and the reasons behind each decline, giving you visibility into the payment funnel.
On the technical side, it's a REST API documented with OpenAPI, with idempotency keys that prevent duplicate charges on retries and SDKs for the main environments. The account is free to start and credentials are ready in about a minute, with no credit card required.
The problem
Relying on a single gateway turns every hiccup on its side into a single point of failure for the whole store: when the gateway goes down or slows to a crawl, sales stop with it. Add PIX payments that take too long to confirm even after the bank has cleared them, plus little visibility into why transactions get declined, and teams end up discovering the problem through a drop in revenue rather than a dashboard. Multi-gateway orchestration is exactly what addresses that set of risks.
Who it's for
- E-commerce stores that today run everything through a single gateway
- Engineering and product teams responsible for the checkout
- Marketplaces that need to split payments across sub-accounts
- SaaS and businesses with high volume or recurring billing
- Payments teams focused on cutting declines and recovering sales
How it works
- 01
Connect your gateways
Register the gateways you already use and set the priority order in which PlugToPay will try them.
- 02
Call a single API
At checkout, your store sends the charge to a single PlugToPay endpoint instead of integrating each gateway separately.
- 03
Routing with fallback
PlugToPay tries the gateways in the order you set; if the first one fails or times out, the next takes over automatically within the same request.
- 04
Unified response
The response tells you which gateway approved the transaction, and the final confirmation arrives via webhook with guaranteed retries.
Features
Automatic multi-gateway fallback
Each transaction can try more than one gateway within the same request; if one declines or goes unavailable, the next takes over in under 200ms, without redoing the checkout.
Native PIX
A dedicated endpoint returns a QR code, copy-and-paste string and expiration time, with automatic webhook confirmation when the payment clears.
Card vault
Tokenize the card once and reuse it across gateways, without the real card number ever traveling through or being exposed in your application.
Marketplace split
Split the payment across sub-accounts by amount or percentage, for marketplaces that need to pay out to multiple recipients.
Reliable webhooks
Notifications with automatic retries on failure and a signature so you can validate the origin of each event.
Operations dashboards
Approval rate by gateway, decline reasons and performance metrics in one panel, to follow the payment funnel in real time.