DeloPay

Overview

DeloPay is a payment orchestration platform for businesses that need to connect payment providers and direct transactions among them. It is best suited to merchants handling payments through web checkout, payment links, WooCommerce or an API, particularly when they need more than one provider. Its routing and checkout options are useful, but transaction fees and the absence of native mobile SDKs are meaningful trade-offs.

Smart Routing weighs provider cost, recent success rates, capability matching and business rules when selecting a route. That gives businesses with multiple suitable connections more control over payment handling; its value is more limited when there is only one viable provider.

Key features

Checkout and provider connections. The hosted iFrame handles card entry, 3-D Secure, wallets and crypto without payment data touching the merchant’s servers. Merchants can also create payment links, use the WooCommerce plugin or integrate through the API. Connections include Stripe, PayPal, Airwallex, Klarna, Creem, e-Payouts, NomuPay, Cryptomus and NOWPayments, giving merchants several routes to assemble a payment setup. Businesses should make sure the providers and payment methods they rely on are covered.

Routing and retries. Routing rules and automatic retries complement Smart Routing, allowing merchants to shape how payments are directed and handled. Tokenization and a vault are also supported. These capabilities are most relevant to businesses managing multiple providers or payment flows; they matter less to a merchant with a simple, single-provider checkout.

API and subscriptions. DeloPay provides a REST API, JavaScript/TypeScript and Java SDKs, plus an iFrame checkout. Native mobile SDKs are on the roadmap, so teams building native app payment flows should expect to use another integration approach for now. Subscriptions can be created, paused, resumed and cancelled through one API when billed through a billing-capable connector such as Stripe Billing or PayPal. That central control is useful, but it depends on using a connector with billing support.

Security and testing. DeloPay says data is encrypted in transit and at rest, credentials are hashed with Argon2, and access is controlled by roles. It does not store raw card numbers or full payment credentials on its servers; connected providers handle that data. Its infrastructure is primarily EU-based in Frankfurt, and sensitive payment data is tokenized at provider level. Test API keys enable test mode, but whether a test reaches a provider sandbox depends on the connected provider.

Technical support is handled through Control Center tickets, with typical response times under four hours during EU business days. DeloPay is built and maintained by a three-person engineering team at Deloxity LLC, a relevant consideration for businesses weighing their preferred vendor profile.

Pricing

DeloPay has no free plan and offers a free trial. Its tiers are based on monthly volume over the previous 30 days, with no monthly plan or setup fee on the five fixed-rate tiers. The amounts below are the listed monthly amounts; the transaction percentage is the charge that matters most as volume grows.

Starter is the entry tier for lower-volume merchants, but its 4.00% transaction rate makes transaction costs a key consideration. Growth, Scale, High volume and Power reduce that rate as the volume band rises, so they suit businesses consistently operating at those levels; the tier is based on the previous 30 days rather than a fixed annual commitment. Enterprise is for volume above $500,000, with custom pricing. No plan-specific seat or transaction-count quotas are given.

Platforms

DeloPay is listed for Android, iOS, Linux, macOS, Windows, web and API. The platform list does not change the integration trade-off: its official SDKs are JavaScript/TypeScript and Java, while native mobile SDKs remain on the roadmap.

Who it's for

DeloPay is aimed at e-commerce, SaaS and subscription businesses, marketplaces, gaming, platforms and agencies, and companies handling international payments. It is a stronger fit for teams that can use a hosted iFrame, payment links, WooCommerce or the API and want routing across connected providers. Mobile-first teams requiring native SDKs today, or merchants with only one suitable provider, have less reason to take on an orchestration layer.

Pros and cons

• Pro: Smart Routing considers cost, recent success, capability and business rules, giving multi-provider merchants several criteria for directing transactions.
• Pro: Hosted checkout, payment links, WooCommerce and API integration provide distinct ways to accept payments, while the iFrame keeps payment data off merchant servers.
• Pro: Subscription actions are available through one API when the billing connector supports them.
• Con: Transaction rates run from 4.00% to 2.25% on the fixed tiers, making the fee structure important to assess against payment volume.
• Con: Native mobile SDKs are not yet available, which complicates a direct fit for native app teams.
• Con: Test-mode sandbox behavior depends on the connected provider, so a consistent testing path is not assured across connections.

Alternatives

For a free option focused on tokenization rather than orchestration, Hyperswitch Card Vault offers a self-hosted community edition with 90+ payment integrations and community support, while leaving compliance management to the user. If your need is specifically token service coverage, American Express Token Service has a free plan with no deployment or use fees stated, though availability varies by market.

Basis Theory is a paid tokenization option with a Standard platform plan at $995 a month, including 20,000 tokens and charging $0.05 per additional token; it may suit buyers comparing a defined token allowance with DeloPay’s transaction-rate tiers. Cashfree Token Vault, FIS Data Integrity Manager, Very Good Security, Worldpay eProtect and Mastercard Decision Intelligence are also alternatives to consider.

For broader category comparisons, see Payment Orchestration Platforms and Payment Tokenization Software.

Verdict

Choose DeloPay if you need to connect payment providers, apply routing criteria and accept payments through web-oriented checkout, links, WooCommerce or an API. Its main advantage is bringing those routes and subscription controls together; its main drawbacks are transaction-based pricing and the lack of native mobile SDKs. Native app teams needing SDKs now, and merchants with a single-provider setup, should look elsewhere.