P26P
P26P is a payment orchestration platform for merchants that connects payment service providers through one integration.
What P26P is
P26P is a payment orchestration platform for merchants that connects payment service providers through one integration. Its routing rules can choose the cheapest or fastest provider for each transaction using amount, currency, BIN, time of day, and live provider health. If a provider fails, P26P says the transaction can switch to another provider in milliseconds. The platform connects to more than 10 PSPs, while its provider directory searches over 1,000 acquirers and PSPs by country, settlement currency, and payment method. Card orchestration plans include multi-PSP routing and unified reporting. P26P also offers IBAN+ payment links and QR codes for account-to-account transfers, matching incoming bank credits to orders before sending a webhook. Card data is tokenized, and the service is available through API and web. P26P says it is not yet PCI DSS certified.
Good
- Routes transactions by cost, speed, and provider health
- Automatic failover switches failed transactions to another PSP
- Connects to 10+ PSPs through one integration
- Directory searches 1,000+ acquirers and PSPs
- Offers tokenization, recurring payments, and marketplace payouts
Watch out
- No free plan or free trial
- Not yet PCI DSS certified
- Formal QSA and SOC 2 assessments are in progress
Who it suits
P26P suits e-commerce, marketplaces, fintech, lending, iGaming, SaaS, travel, mobility, and digital-platform businesses managing multiple payment providers. It is intended for teams needing routing, retries, tokenization, recurring payments, or marketplace payouts.
Verdict
P26P combines multi-provider routing, failover, reporting, and tokenized card handling in one API and web platform. Its paid plans and stated compliance work in progress are important considerations for prospective customers.
Plans and prices
From P26P's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| IBAN+ PAYG | 25 UAH, paid once | Up to 300 operations/month · 25 UAH per operation; 21 UAH up to 1,500 · 18 UAH up to 5,000 · 17.5 UAH up to 15,000 · above that, individual Enterprise terms · Pay as you go; no separate subscription |
| Starter | $2,500 a month | 10,000 transactions included · $0.20 per transaction above limit · $2,500 per month; billed monthly |
| Growth | $5,000 a month | 100,000 transactions included · $0.04 per transaction above limit · $5,000 per month; billed monthly |
| Business | $7,500 a month | 500,000 transactions included · $0.012 per transaction above limit · $7,500 per month; billed monthly |
| Enterprise | $10,000 a month | 1,000,000 transactions included · $0.008 per transaction above limit · higher volumes or custom routing: talk to sales · $10,000 per month; billed monthly |
The facts
Each one read from P26P's own pages, with the date it was checked.
What it does
- Automatic failover
- If a PSP fails, the transaction switches to another provider in milliseconds, according to the site.checked 3 Oct 2026
- Card data
- P26M says card data is tokenized and does not reach the merchant’s systems, which work with tokens.checked 3 Oct 2026
- Compliance status
- The site says P26M is not yet PCI DSS certified, its formal QSA assessment and SOC 2 Type II are in progress, and ISO 27001 is planned.checked 3 Oct 2026
- Getting started
- The site offers a 30-minute call to scope a routing strategy and says credentials can be sent by the end of the week.checked 3 Oct 2026
- Hosting and privacy
- The site says its infrastructure runs in AWS eu-central-1 in Frankfurt, with no personal data processed or stored outside the EEA, and describes P26M as GDPR aligned.checked 3 Oct 2026
- IBAN+ bank support
- The IBAN+ page lists monobank, Privat24, PUMB, Sense Bank, UnexBank, A-Bank, izibank, Kredobank, Raiffeisen Bank, and UKRSIBBANK.checked 3 Oct 2026
- IBAN+ payments
- IBAN+ creates payment links or QR codes for direct account-to-account transfers and automatically matches incoming bank credits to orders before sending a webhook.checked 3 Oct 2026
- Integrations
- The site says P26M connects to 10+ PSPs and describes a single integration for access to supported providers.checked 3 Oct 2026
- Intended users
- The site lists e-commerce and marketplaces, fintech and lending, iGaming and betting, SaaS and subscriptions, travel and mobility, and digital platforms as target segments.checked 3 Oct 2026
- Product
- P26M is a payment orchestration platform that connects merchants with payment service providers (PSPs).checked 3 Oct 2026
- Provider directory
- The provider directory lets users search 1,000+ acquirers and PSPs by country, settlement currency, and payment method.checked 3 Oct 2026
- Smart routing
- It routes each transaction through the cheapest or fastest PSP based on amount, currency, BIN, time of day, and live PSP health.checked 3 Oct 2026
- Time to connect
- P26M says adding a PSP or payment method typically takes 1–3 days of configuration.checked 3 Oct 2026
- Unified reporting
- All card orchestration plans include every PSP, multi-PSP routing, and unified reporting.checked 3 Oct 2026
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