Payments orchestration software

One API to connect to your payment providers.

PayKumo is technology that sits between your platform and the licensed payment providers you work with. Integrate once, orchestrate pay-ins and payouts across providers, and see everything in one dashboard.

Your platform PayKumo one API Provider A Provider B Provider C Provider D Licensed payment providers
Why orchestration

Stop stitching providers together by hand.

Every provider brings its own integration, callbacks and portal. PayKumo gives you a single software layer across all of them.

Without an orchestration layer

  • ✕A separate integration for every provider
  • ✕Different callback formats and status codes
  • ✕Balances spread across provider portals
  • ✕Manual reconciliation in spreadsheets
  • ✕Changing providers means rebuilding

With PayKumo

  • ✓One integration and one callback format
  • ✓Connect or swap providers behind the same API
  • ✓Balances and transactions reported across providers in one view
  • ✓Consistent, exportable reporting
  • ✓Routing rules you change in configuration, not code
Platform

Connect. Orchestrate. Reconcile.

Software that makes many payment providers work like one.

01

Connect

One API and one signature scheme to connect to multiple payment providers for pay-ins and payouts.

02

Orchestrate

Choose which provider handles each brand and payment method, and change it in configuration as your needs evolve.

03

Reconcile

Track the settlement options your providers support, such as bank transfer or digital assets, and reconcile them in one place.

Merchant dashboard

Every provider, one dashboard.

A back office that brings the data your providers report into a single, real-time view.

  • Balances and transactions reported across providers, in real time
  • Search and filter every pay-in and payout
  • Send payout requests to your providers
  • Settlement history and exportable reports
  • Team access with role-based permissions
# Create a pay-in through PayKumo
POST /v1/deposits
Content-Type: application/json
X-Signature: <hmac>

{
  "order_id": "ORD-10024",
  "amount": "250.00",
  "method": "bank_transfer",
  "callback_url": "https://you.example/hooks"
}
Developers

Built for engineers who ship.

A clean REST API with one request format and one callback format, whichever provider handles the payment.

  • Consistent REST endpoints for pay-ins and payouts
  • Signed requests and signed status callbacks
  • Sandbox environment for testing before going live
  • Real-time status updates for every transaction
White-label

Your brand, our technology.

Offer payments orchestration under your own name. Your domain, your logo and your merchants, running on PayKumo's software and back office.

Become a partner

  • Branded merchant dashboard
  • Your own domain
  • Per-brand provider configuration
  • Built for platforms and resellers
Security

Designed with security in mind.

Encrypted in transit

All traffic to the API and dashboard is served over TLS.

IP allowlisting

Restrict API access to the servers you approve.

Role-based access

Give each team member only the permissions they need.

Signed callbacks

Verify that every status update really came from PayKumo.

FAQ

Questions, answered.

Is PayKumo a payment provider?

No. PayKumo is a technology provider. Payments are processed and settled by licensed third-party providers; PayKumo provides the software that connects you to them.

What is payments orchestration?

A software layer that connects your business to multiple payment providers and methods through a single integration, so you can manage them together instead of one by one.

How is settlement handled?

Settlement is made by your payment providers, using the options they support, such as bank transfer or digital assets. PayKumo helps you track and reconcile it.

Can I offer PayKumo under my own brand?

Yes. Our white-label programme lets partners run the platform under their own name and domain.

How do I get started?

Email enquiries@paykumo.com and tell us about your business and the providers you work with.

Ready to simplify your payments stack?

Tell us about your platform and providers, and we'll show you how PayKumo connects them.

Talk to our team →