Never lose a sale again
when Stripe blocks you.
Shadpay is a payment proxy that routes every charge through a healthy gateway in real time. If Stripe, Adyen or Checkout.com freezes your account, your revenue keeps flowing — your customers never notice.
Built for SaaS, e‑commerce and high‑risk merchants.
One algorithmic decision can kill your business in 24 hours.
Stripe freezes thousands of accounts every month. No call. No appeal. No timeline. Your checkout dies, your MRR vanishes, and your team scrambles to migrate gateways in a panic. Shadpay makes that impossible.
The redundancy layer for your revenue
One API. Multiple gateways. Zero downtime.
Automatic failover
If a gateway returns an error, freeze, or 5xx, we re‑route the charge to a healthy provider in under 300 ms.
Smart routing
Send each payment to the gateway with the highest acceptance rate and lowest fee for that BIN and country.
Unified API
Integrate once. Add Stripe, Adyen, Checkout.com, PayPal or any future gateway behind a single endpoint.
Chargeback shield
Distribute risk across accounts and providers to keep dispute ratios under threshold automatically.
Real‑time observability
Live dashboard of acceptance rate, latency, fees, and gateway health — per country, per BIN, per product.
PCI‑safe vault
Tokenize cards once, charge them on any gateway. No re‑authentication when you switch providers.
How it works
A drop‑in proxy between your checkout and your gateways.
1. Point your checkout to Shadpay
Replace your Stripe endpoint with ours. Same request format. Same response shape.
2. We route to the active gateway
Stripe, Adyen, Checkout.com, PayPal. Whichever is healthiest and cheapest for that transaction.
3. On failure, we re‑route instantly
Detected error, frozen account, decline — we retry on a secondary in milliseconds. The customer sees one clean charge.
curl https://api.shadpay.io/v1/charges \
-H "Authorization: Bearer sk_live_••••" \
-H "Content-Type: application/json" \
-d '{
"amount": 4900,
"currency": "eur",
"source": "tok_4242...",
"routing": "smart"
}'
{
"id": "ch_01HX...",
"status": "succeeded",
"gateway": "stripe",
"fallback_used": false,
"latency_ms": 312
}Why not just use one gateway?
Because one gateway means one point of failure.
| Single gateway | Shadpay | |
|---|---|---|
| Account freeze risk | Total revenue stop | Automatic failover |
| Acceptance rate | Fixed per provider | Optimized per BIN |
| Chargeback exposure | Concentrated | Distributed |
| Switching cost | Re‑integrate from scratch | One line of config |
| Fees | Whatever Stripe charges | Cheapest per route |
Pricing
Revenue insurance that pays for itself with one prevented freeze.
Volume discounts above 50k transactions/month.
- Unlimited gateways
- Automatic failover & smart routing
- PCI‑safe card vault
- Real‑time dashboard & alerts
- Email & Slack support
Questions, answered
Is this a replacement for Stripe?+
No. Shadpay sits in front of Stripe (and Adyen, Checkout.com, PayPal). You keep your gateway accounts. We orchestrate them.
What happens to my existing integration?+
You change the endpoint URL and add an API key. The request/response shape mirrors Stripe's, so most integrations migrate in under an hour.
Is it PCI‑compliant?+
Yes. Shadpay is PCI‑DSS Level 1 in progress. Cards are tokenized server‑side and never touch your servers.
What's the latency overhead?+
Under 40 ms p95 added to a regular charge. Failover decisions happen in under 300 ms.
When can I start?+
We're onboarding a private cohort of founders right now. Join the waitlist and we'll reach out within 48 hours.