The lightweight payment router for developers
Integrate once, switch providers in hours — PCI-light, no lock-in with flexible payment gateway switching
import Accru from '@accru/sdk';
const accru = new Accru({ apiKey: process.env.ACCRU_API_KEY });
// Switch providers in one config
accru.routing.setRules([
{ match: { country: 'US' }, route: 'stripe' },
{ match: { country: 'GB' }, route: 'paypal' },
{ fallback: 'adyen' },
]);
Merchant
Accru lets you switch PSPs in minutes without re-integrating
Connecting the dots in global payments
AccruPay links every point in your payment network — from cards and wallets to alternative methods and crypto. With one SDK, you can route across global PSPs, adapt to local markets, and keep transactions flowing without lock-in.
One SDK, all the power.
Add Accru Pay once. Swap PSPs, add crypto, or load balance in minutes.
// Route US traffic to Stripe, EU traffic to PayPal
accru.routing.setRules([
{ match: { region: 'US' }, route: 'stripe' },
{ match: { region: 'EU' }, route: 'paypal' },
]);Everything you need to stay independent
Gateway Switching
Swap PSPs with a single config — no re-integration required
Sandbox
Test routing safely in a developer sandbox before going live
Payment Orchestration
Our load balancing is optimized for best rates
Payment Plans
Handle recurring payments without provider lock-in
Reporting Across Gateways
Track performance and approvals across all PSPs in one view
Why Accru Pay?
Freedom without lock-in.
PCI-light by design
No card vault = lighter compliance burden for you and your merchants.
True independence
Keep your own PSP contracts, tokens, and settlements.
Developer-first simplicity
A clean API and SDK loader that just works — no bloated platform overhead.
Faster time-to-market
Onboard new PSPs in hours via config instead of weeks of dev work.
From small shops to global enterprises, AccruPay keeps payments moving.
AccruPay Works across industries, volumes, and risk profiles.
E-commerce
Scale across markets with flexible PSP switching for global sales.
Financial Services
Ensure uptime and compliance while routing across regulated gateways.
Adult & High-Risk
Keep transactions flowing even in restricted industries, with fallback routing.
Healthcare
Secure patient payments and reduce risk with PCI-light routing.
Travel & Hospitality
Protect cashflow with redundancy across multiple PSPs for global bookings.
SaaS & Subscriptions
Handle recurring billing with smart routing and failover capabilities.
Trusted by innovators across industries
From healthcare platforms to global e-commerce, businesses use AccruPay to cut integration time, protect cashflow, and stay independent of lock-in. With one SDK, teams can route by geography, risk profile, or payment method — switching providers in hours, not weeks.
Whether scaling into new regions, handling high-risk industries, or simply reducing complexity, AccruPay keeps payments flowing without the overhead of traditional orchestration platforms.
Case Studies
Wondercare
Scaled cross-border patient payments without adding compliance overhead.
HealthcareGlobal Marketplace
Boosted approval rates by 12% with smart multi-PSP routing.
E-commerceHigh-Risk Merchant
Maintained stable payouts by switching providers instantly on chargeback spikes.
Adult ServicesGet started in minutes with our docs
From sandbox testing to production-ready routing, our documentation is designed for speed. Explore live code samples, quick-start guides, and full API references.
