PayBridge — One API for fiat + crypto payments

One API

Same createPayment call works against Stripe, PayStack, PayFast, Adyen, Mollie, Razorpay, Square, Mercado Pago, Pesapal, Flutterwave, Yoco, Ozow, Peach Payments, SoftyComp. Switch providers by changing one config line.

Smart routing

PayBridgeRouter picks the cheapest, fastest, or highest-success-rate provider per transaction. Circuit breaker. 429-aware fallback. Webhook idempotency.

Real outcomes

The successRate strategy ranks providers using your actual transaction history from the ledger — not vendor rate cards. Static fee tables lie.

Quick Start

Stripe PayStack PayFast Mollie Flutterwave

import { PayBridge } from 'paybridge';

const pay = new PayBridge({
  provider: 'stripe',
  credentials: { apiKey: process.env.STRIPE_API_KEY },
  sandbox: true,
});

const payment = await pay.createPayment({
  amount: 299,
  currency: 'ZAR',
  reference: 'INV-001',
  customer: { name: 'John Doe', email: 'john@example.com' },
  urls: {
    success: 'https://example.com/success',
    cancel:  'https://example.com/cancel',
    webhook: 'https://example.com/webhook',
  },
});

console.log(payment.checkoutUrl);

Supported Providers

Fiat providers (14)

Provider	Region	One-time	Subscriptions	Refunds	Webhooks	Status
SoftyComp	South Africa	✅	✅	✅	✅	Production
Yoco	South Africa	✅	⛔	✅	✅	Production
Ozow	South Africa	✅	⛔	⛔	✅	Production
PayFast	South Africa	✅	✅	✅	✅	Production
Peach Payments	South Africa	✅	⛔	✅	✅	Production
PayStack	Africa	✅	✅	✅	✅	Production
Flutterwave	Africa	✅	✅	✅	✅	Production
Pesapal	East Africa	✅	⛔	✅	✅	Production
Stripe	Global	✅	✅	✅	✅	Production
Adyen	Global	✅	⛔	✅	✅	Production
Mollie	Europe	✅	⛔	✅	✅	Production
Square	US/Canada/UK	✅	⛔	✅	✅	Production
Razorpay	India	✅	✅	✅	✅	Production
Mercado Pago	Latin America	✅	✅	✅	✅	Production

Crypto on/off-ramp providers (4)

Provider	On-ramp	Off-ramp	Quote	Webhooks	Status
MoonPay	✅	✅	✅	✅	Production
Transak	✅	✅	✅	✅	Production
Ramp Network	✅	✅	✅	✅	Production
Yellow Card	⚠️	⚠️	⚠️	⚠️	Experimental

✅ Supported | ⛔ Not supported by upstream API | ⚠️ Experimental (spec unverified)

Architecture

                  ┌─────────────────────────┐
                  │        Your app         │
                  └──────────┬──────────────┘
                             │ paybridge SDK
                  ┌──────────┴──────────────┐
                  │     PayBridgeRouter     │
                  │  cheapest/fastest/...   │
                  │  circuit breaker        │
                  │  webhook idempotency    │
                  └─────┬─────┬─────┬───────┘
                        │     │     │
                  ┌─────┴─┐ ┌─┴───┐ ┌┴──────┐
                  │Stripe │ │Mollie│ │PayFast│ ...
                  └───────┘ └─────┘ └───────┘

Operations

Drift detection

Catches the moment a provider silently changes their API. The Square endpoint moved between releases — paybridge drift-check would have flagged it before production traffic broke.

paybridge drift-check --capture
# later
paybridge drift-check \
  --webhook-url https://hooks.slack.com/...

Reconcile

Catches missed webhooks. Diff your DB's expected statuses against each provider's current state.

psql -t -c "SELECT provider, reference, \
  status AS expected_status \
  FROM payments WHERE status='pending'" \
  | paybridge reconcile

Status observatory

Independent multi-provider monitoring at status.whatshubb.co.za. Vendor status pages + HTTP probes + sandbox health, three signals per provider, divergence detection surfaces "vendor says fine, our probes disagree" moments.