Payment processing that doesn’t flinch at your category.
Accept cards, ACH and crypto through multiple acquiring banks at once — with smart routing, live failover and chargeback defense built in, not bolted on.
Accept every way your customers pay
Plug in through Shopify, WooCommerce or the API.
- Visa
- Mastercard
- American Express
- Discover
- ACH & eCheck
- Apple Pay & Google Pay*
- Crypto*
- 135+ currencies
- Recurring billing
- * where eligible for your vertical
Route every payment to the bank most likely to approve it.
Rules decide where each payment goes. Cascades retry soft declines on the next bank automatically — and never on hard declines.
- Rules by card brand, BIN country and ticket size
- Load-balancing that keeps each MID under its cap
- Live failover when an acquirer slows or goes down
- Approval tuning reviewed with your account manager
Stop chargebacks before they reach your ratio.
Every dispute costs you twice — the refund and the ratio. Sainto works both sides: resolving what it can before it’s filed, and fighting what’s worth fighting.
- Pre-dispute alerts with auto-refund rules
- Evidence compiled automatically for representment
- Ratio monitoring per MID, against card-network thresholds
- Descriptors your customers actually recognize
Everything else a high‑risk checkout needs.
Smart retries
Failed renewals retried on the schedule issuers are most likely to approve, not on a fixed timer.
Account updater
Expired and reissued cards refresh automatically, so subscriptions keep billing.
Hosted checkout
A branded payment page or embedded fields — card data never touches your servers.
3-D Secure
Authentication applied where it shifts liability, skipped where it only adds friction.
Fraud screening
Velocity, device and BIN checks tuned to your vertical — not a generic blocklist.
Descriptor control
Set the statement name per brand or MID so customers recognize the charge.
One API for every acquirer.
Integrate once. Routing, retries and failover happen behind a single payments endpoint, with a webhook for every state change.
- Sandbox with test cards and simulated declines
- Shopify and WooCommerce plugins
- Every routing attempt returned in the response
$ curl https://api.sainto.io/v1/payments \ -u sk_live_••••••••: \ -d amount=14800 \ -d currency=usd \ -d payment_method=pm_card_4242 \ -d routing=smart
{
"id": "pay_8Hq2kL",
"status": "approved",
"amount": 14800,
"route": {
"attempts": ["acq_a", "acq_b"],
"approved_by": "acq_b"
},
"settles_at": "2026-09-19T09:00:00Z"
}