Gateway-as-a-Service
The most advanced gateway on the market — priced to win.
Run Superior's PCI Level 1 gateway in front of your existing processor or inside your software platform. AI fraud, automated chargebacks, multi-acquirer routing, and API translation — all bundled. ISOs and ISVs use it to modernize without re-platforming.
Published pricing
0.5% + $0.10
per transaction
$50 / month minimum
One number covers the gateway, fraud, chargebacks, tokenization, recurring billing, hosted checkout, ACH, mobile SDK, webhook reliability, and API translation. No per-feature upcharges. No quarterly negotiation.
What's in the bundle
Who runs it
Built for ISOs and ISVs.
Same gateway, two distinct sales motions. Most partners start with one and add the other as the value compounds.
For ISOs
Drop our gateway in front of your existing processor or sponsor bank. Branded or neutral. Your merchants get the modern stack; you keep your back-end and your splits.
Modernize a legacy back-end
Your portfolio is on TSYS, FirstData, Worldpay, or another legacy rail. The merchant experience around it feels dated. Plug Superior in front of the same back-end and merchants get tokenization, modern APIs, and AI fraud tooling — without a re-board.
Capture gateway margin
You have the merchant relationships and splits, but you're paying retail to a third-party gateway. Run ours instead — branded or neutral — and keep the gateway margin.
Add capabilities without re-platforming
Want to offer ACH, hosted checkout, mobile SDK, or 3DS to merchants without going to your processor? Run them on our gateway and your back-end never changes.
For ISVs
Power payments inside your software. One wire-compatible API gives you tokens, recurring billing, fraud, webhook reliability, and AI scoring — without rebuilding any of it.
Embed payments in your software
Your SaaS needs payments. You don't want to rebuild fraud, tokens, recurring billing, and webhook reliability. Our gateway gives you all of it via one wire-compatible API.
Don't relearn an API
Your team already knows Stripe (or Square, or Authorize.Net). Run our translation layer and your existing code works against our gateway with zero rewrite.
Multi-tenant by design
Tokenize per merchant, route per merchant, settle per merchant. The platform was built to handle one ISV with thousands of sub-merchants, not the other way around.
In the box
Everything the gateway does.
Nine capabilities, one price. No per-feature add-ons, no quarterly negotiation, no vendor sprawl.
Superior AI fraud detection
Proprietary LLM scores every authorization in real time. Not a third-party add-on — built into the auth path.
Automated chargeback rebuttal
Auto-builds and submits rebuttal packages with shipping records, AVS results, CVV match, and 3DS data. You don't pay per win, you don't pay a chargeback management vendor.
PCI Level 1 vault
AES-256-GCM at rest, TLS 1.3 in transit, HSM-backed keys. Tokenize once; PAN never touches your systems.
Multi-acquirer smart routing
Route transactions across acquirers to maximize approval rate and minimize interchange. Failover is instant.
Stripe / Square / Auth.Net API translation
Your existing integrations don't have to be rewritten. Point them at us and we translate the request and response shapes natively.
Token portability in and out
Bring tokens in from any PCI Level 1 vault. If you ever need to leave, you take your tokens with you. No hostage data.
Reliable webhook delivery
Signed webhooks, retries with exponential backoff, dead-letter queues, and a replay UI. Stop defending downstream code against missed events.
ISO 20022 settlement
Native ISO 20022 messages on the back-end. Cleaner reconciliation, richer remittance data, ready for FedNow / RTN.
Cards, ACH, recurring, hosted checkout
One API for every payment method. Hosted checkout, mobile SDK, recurring billing, and ACH — all bundled.
Compared to
How Superior stacks up.
Side-by-side against the gateways you're probably evaluating. Published rates only — your actual price with any vendor varies by volume, vertical, and channel.
| Capability | Superior GaaS | Stripe | Authorize.Net | NMI | Spreedly |
|---|---|---|---|---|---|
| Published gateway price | 0.5% + $0.10/txn · $50/mo min | 2.9% + $0.30/txn¹ | $25/mo + $0.10/txn | $15–25/mo + ~$0.05/txn² | Custom³ |
| AI fraud detection | Included | Paid add-on | Paid add-on | Paid add-on | Limited |
| Automated chargeback rebuttal | Included | Paid add-on | Paid add-on | Paid add-on | Not available |
| Stripe / Square / Auth.Net API translation | Included | n/a | Not available | Not available | Not available |
| Multi-acquirer smart routing | Included | Limited | Limited | Included | Included |
| ISO 20022 settlement | Included | Not available | Not available | Not available | Not available |
| Token portability out | Included | Limited | Limited | Included | Included |
| PCI Level 1 vault | Included | Included | Included | Included | Included |
¹ Stripe's published online card rate combines processing and gateway and isn't sold as gateway-only; volume discounts are available by negotiation. Listed for orientation only.
² Authorize.Net and NMI rates reflect provider-published retail. Pricing distributed through ISOs may vary.
³ Spreedly publishes custom usage-based pricing — pricing available from the vendor directly.
Capability checkmarks reflect Superior's read of each vendor's currently-published feature set as of May 2026. We welcome corrections at sales@superiorpayments.com.
When the math works
The bundle beats the basics — fast.
A pure-gateway competitor at $25/month + $0.10/txn looks cheaper on paper. Add fraud, chargebacks, tokenization, and routing as separate vendors and the math flips.
Small merchant
$10K / 100 txns
Superior GaaS
$50 / mo
Typical stitched stack
$25 gateway + $50 fraud + $99 chargeback tool + $20 token vault = $194
Even before you count integration time, you save ~$150/mo.
Mid-market
$100K / 1,000 txns
Superior GaaS
$600 / mo
Typical stitched stack
$75 gateway + $250 fraud + $199 chargebacks + per-txn vault fees = $700+
Single bill. Single integration. Single vendor to call.
High-volume
$1M / 10K txns
Superior GaaS
$6,000 / mo
Typical stitched stack
Custom enterprise contracts across 4+ vendors, often $8K–$15K
And our pricing scales linearly — no surprise tier breaks.
Illustrative comparison. Your actual cost with a stitched stack depends on the vendors you choose and the volume tiers you fall into.
Onboarding
From contract to live traffic in two weeks.
A real onboarding team, not a self-serve form. We take ownership of the cutover.
- 1
Scope call
30 minutes — your back-end, your verticals, what you want to ship. We come back with concrete terms within the week.
- 2
Sandbox + tokens
Sandbox keys, sample integrations, and a token import plan if you have an existing vault.
- 3
Cutover testing
Run a slice of live traffic in shadow mode to validate auth shapes, webhook delivery, and reconciliation.
- 4
Live
Flip the endpoint. Traffic moves to Superior. Your downstream code doesn't change.
Run the gateway your merchants deserve.
Tell us what you run today and what you want to ship. We'll come back with real numbers and a cutover plan within the week.
Looking for the merchant-facing gateway page instead? See /solutions/gateway →