Manage your payments. All in one place.
Bring your payment providers into one dashboard. See what’s been paid, investigate problems and match payments to settlements.
Your payments at a glance
See what is complete and what needs attention
Your next steps
- Find a paymentOne search
- Check its resultClear status
- Follow upIn one place
Trusted by teams including
One integration instead of eleven.
Your checkout connects to Tinker once. Your payments and finance teams check results in one place instead of each provider’s dashboard.
11
payment providers behind one API
3
payment flows, one response
- 1Redirect to checkout
- 2Approve on the phone
- 3Confirm on your page
7
server SDKs, plus a WooCommerce plugin
JavaScript · Python · PHP · Go · Ruby · Java · Kotlin
1
request shape for every provider
Everything between your checkout and your settlement report.
Route new payments
Set rules by currency or country and choose which connected provider receives each new payment.
Learn moreFollow every result
See completed, pending and failed payments across providers. Webhooks tell your app when a result arrives.
Learn moreReconcile settlements
Import or upload supported settlement records, match them to payments and export what needs review.
Learn moreKeep your providers
Connect the provider accounts you already have, or start on Tinker’s setup and switch later.
Learn moreWork in many currencies
Keep payment records organised by currency and send each currency to the providers that support it.
Learn more
See how it works.
Pick a workflow to walk through it.
Manage where new payments go.
Step 1 of 3
See your providers
All your payment providers in one workspace.
Find the differences that need review.
Step 1 of 3
Bring in settlements
Upload settlement records from your provider.
See balances and follow payouts.
Step 1 of 3
Choose a currency
Keep each currency’s balances separate and easy to follow.
Keep track of customer invoices.
Step 1 of 3
Create an invoice
Start a customer invoice from your dashboard.
Keep your payment providers.
One API for M-Pesa, MTN MoMo, Paystack, Stripe, PayPal, Adyen, DPO Pay, Flutterwave, Interswitch, Pesapal and Plaid. Your app sends the same request to each, and gets the same statuses, errors and webhooks back.
- Hosted checkout
- Card payments
- Mobile money
- Bank payments
- Buy now, pay later
- PayPal
- Apple Pay
- Google Pay
Tinker Payments enables each provider for your app. Methods, currencies and countries depend on each provider account.
Explore payment providers
One API for all of them.
Send one request, then follow the result by webhook or query. Leave out the provider and your routing rules pick a connected one.
POST /v1/merchant/payment/initiate
Authorization: Bearer <app-token>
Content-Type: application/json
Idempotency-Key: <saved-unique-key>
{
"amount": 25,
"currency": "USD",
"gateway": "stripe",
"merchantReference": "ORDER-12345",
"returnUrl": "https://your-app.example/payment/return",
"customerEmail": "[email protected]"
}Start small. Bring your own accounts later.
Your total cost depends on your plan, usage and provider fees. We confirm the charges before you go live.
Pay as you go
Start on Tinker’s provider credentials and collect through the providers Tinker has set up.
- Fees by provider
- No provider accounts needed to start
- Check fees before you go live
Paid plans
Connect your own provider accounts and keep your existing provider agreements.
- Your own provider credentials
- A choice of billing periods
- Included API usage
Enterprise
For teams that need agreed workflows, support targets and onboarding.
- Agreed provider workflows
- Scoped operating controls
- Business-hours support with agreed support targets
Customer stories
Before Tinker Payments, checkout incidents meant manual follow-ups across teams. We now run with defined failover rules and clearer transaction visibility, so peak-day operations are far more predictable.
We needed control without replacing our entire payments stack. Tinker let us keep existing providers and update routing policy quickly when performance changes, which improved our operational response time.
Our finance and operations workflow was too manual across multiple payment reports. With a unified ledger view and cleaner exports, reconciliation is faster and discrepancies are easier to catch early.
How getting started works.
- 1
Show us your setup
Tell us which providers you use and what takes your team the most time.
- 2
See your workflow
Explore the relevant tools in a demo, then test supported payments in the sandbox.
- 3
Agree your launch
Confirm provider coverage, pricing and support before taking live payments.
See it with your own providers.
We’ll go through the providers you use, the workflows that fit and what it takes to start.