DeloPay vs Payrails

DeloPay is a payment orchestration platform that connects payment providers and routes transactions to a selected provider. Smart Routing chooses providers using cost, recent success rate, capability matching, and business rules. Merchants can use a hosted iFrame checkout for card input, 3-D Secure, wallets, and crypto; create payment links; use a WooCommerce plugin; or integrate through the REST API. DeloPay lists integrations including Stripe, PayPal, Airwallex, Klarna, Creem, e-Payouts, NomuPay, Cryptomus, and NOWPayments. It offers JavaScript/TypeScript and Java SDKs, while native mobile SDKs are on the roadmap. Subscriptions can be created, paused, resumed, and cancelled through one API when billed through a billing-capable connector such as Stripe Billing or PayPal. Listed rates are 4.00% per transaction for Starter, 3.50% for Growth, 3.25% for Scale, 2.75% for High volume, and 2.25% for Power; there is no monthly plan or setup fee. A free trial is offered, but no free plan is listed.

Payrails is a cloud platform available through web and API for accepting and optimizing payments and managing financial operations across the payment lifecycle. Its modules cover Orchestration, Token Vault, Reconciliation, Chargebacks, Payouts, Unified Analytics, Fee Monitoring, and Payment Links. Payrails says AI models and agents assist with routing, retry logic, reconciliation matching, chargeback defense, and cost analysis. A single integration connects to more than 100 payment providers, acquirers, fraud tools, buy-now-pay-later providers, local methods, and ERPs; customers connect their own provider accounts and credentials. The PCI-DSS Level 1 compliant Token Vault stores payment credentials independently of one processor. Reconciliation combines provider and financial-system data with configurable matching rules. Supported channels include cards, Apple Pay, Google Pay, PayPal, and alternative methods. Pricing is on request, and implementation depends on selected modules and providers.