Spreedly

What is Spreedly

Spreedly is a payments orchestration platform that lets companies connect once to a single, normalized API and then access a broad ecosystem of payment gateways, processors, and services across more than 100 countries. It centralizes common payment infrastructure functions — tokenization (vault), connectivity to gateways and PSPs, routing logic, reporting, and reconciliation — so engineering teams do not need to build and maintain bespoke integrations with each local payment provider.

The platform is designed for merchants, merchant acquirers, marketplaces, fintechs, and payment service providers that require flexibility to adopt local payment rails, add or swap processors, and apply fraud or optimization strategies without repeating integration work. Spreedly positions itself as an “open payments platform” that separates payment orchestration from gateway-specific implementations, enabling faster go-to-market and simpler global expansion.

Operationally, Spreedly is used both as a primary integration layer (single integration for many endpoints) and as a fall-back or augmentation layer for existing payment stacks. Common uses include token vaulting to reduce PCI scope, routing logic to increase approval rates, and unified reporting for reconciliation across multiple processors. See Spreedly’s platform overview for a summary of capabilities and supported partners.

Spreedly features

What does Spreedly do?

Spreedly provides a set of core features intended to remove repetitive payment infrastructure work and surface performance intelligence across a heterogeneous payments ecosystem. The product set includes:

• Vault: secure tokenization and storage of payment methods to reduce PCI surface and support multi-processor reuse.
• Connect: a normalized API that maps a single set of payment objects to many gateways, processors, and PSPs so you can add or swap connections without reworking your checkout logic.
• Protect: integration points for fraud tools and selective routing logic so fraud controls can be applied dynamically based on risk signals and processor behavior.
• Optimize: routing and retry logic that evaluates processor performance and applies fallback strategies to improve approval rates and reduce decline losses.
• Resolve: reporting, reconciliation, and analytics that unify transaction data across endpoints for operational visibility and settlement troubleshooting.

Beyond these core capabilities, Spreedly includes SDKs and developer-focused documentation, test environments, and partner integrations across gateways, acquirers, BIN sponsors, and alternative payment method providers. Their integrations directory lists more than 140 partners and growing, enabling coverage for use cases like card payments, ACH, local e-wallets, and alternative rails. See the list of partner integrations on Spreedly’s integrations page.

Spreedly is built to be protocol- and platform-agnostic. The normalized API abstracts differences such as field mappings, token formats, and response models so engineering teams can build once and operate across multiple processor endpoints. This is particularly valuable for marketplaces and merchant aggregators that must onboard many merchants with diverse payment needs.

Spreedly pricing

Spreedly offers flexible pricing tailored to different business needs, from individual users and small teams to enterprise-scale merchants and payment service providers. Their pricing structure typically includes monthly and annual billing options with discounts for yearly commitments and custom enterprise contracts that reflect transaction volume, number of integrations, and feature sets required by the customer. For exact plan details and transactional pricing, see their official pricing page.

Typical pricing components to expect when evaluating Spreedly include:

• Platform fees: recurring subscription fees that cover access to the normalized API, vaulting, and admin tools.
• Per-transaction or usage fees: variable fees that scale with transaction volume or API calls, often tiered by monthly volume.
• Connector or integration fees: some gateway or processor integrations may be included while others may carry additional charges depending on contractual terms.
• Enterprise add-ons: advanced security, SSO, dedicated SLAs, and professional services for large customers.

Spreedly commonly structures enterprise contracts to reflect GMV (gross merchandise value), transaction counts, and required SLA levels. If you need a precise quote, provide anticipated monthly volume, geographic footprint, and a list of required payment partners to get accurate pricing. Visit their official pricing page for the most current information.

How much is Spreedly per month

Spreedly offers competitive pricing plans designed for companies of different sizes and needs, typically billed monthly or annually depending on the contract. Monthly costs vary widely based on transaction volume, number of connectors, and optional services; small merchants may pay a modest monthly platform fee plus per-transaction charges, while enterprises negotiate custom monthly fees tied to volume and service-level agreements. For a tailored monthly quote, supply projected transaction volume and the set of integrations you require and check their official pricing page.

How much is Spreedly per year

Spreedly offers annual billing with volume-based discounts for customers that commit to yearly contracts, which often reduces the effective per-transaction rate compared with month-to-month billing. Annual pricing is commonly presented as a committed spend and/or discounted platform fee plus usage tiers; negotiated contracts for large merchants frequently include savings and service credits. For exact yearly costs and potential savings percentages for annual commitments, refer to their official pricing page.

How much is Spreedly in general

Spreedly pricing ranges from modest platform subscription fees plus per-transaction charges to custom enterprise agreements for high-volume merchants and platforms. The overall cost profile depends on the number of connectors you require, geographic reach, transaction volume, and whether you need professional services or enhanced SLAs. To estimate cost for your situation, collect expected monthly transaction volume, average transaction value, and target markets, and request a tailored quote from Spreedly via their pricing page.

What is Spreedly used for

Spreedly is used to centralize and simplify payment operations when a business needs to work with multiple payment processors, gateways, or local payment methods. Typical scenarios include:

• Global expansion: merchants entering new regions can route transactions to local processors without building separate integrations for each country.
• Marketplace onboarding: platforms that manage many merchants use Spreedly to provide vaulting, token reuse, and per-merchant routing rules.
• Optimization and resiliency: businesses use Spreedly to route payments dynamically based on processor success rates, latency, or cost, and to implement retry or fall-back strategies.
• PCI scope reduction: by leveraging Spreedly’s vault, companies can decrease the amount of cardholder data they handle directly.

Operational teams also use Spreedly for reconciliation and dispute workflows because it aggregates transaction responses from multiple endpoints into a consistent format. Teams that rely on multiple fraud vendors can use Spreedly to coordinate when and how fraud checks run in the transaction lifecycle, enabling more granular, processor-aware decisioning.

Finally, companies that want to offer alternative payment methods (wallets, local bank debits, BNPL) alongside standard card processing often use Spreedly as the orchestration layer to abstract the complexity of different provider integrations.

Pros and cons of Spreedly

Pros:

• Centralized integrations: one API to connect to many payment providers, reducing engineering overhead and time-to-market.
• Vault and token reuse: minimizes PCI scope and improves customer experience by reusing tokens across processors.
• Performance optimization: routing and retry logic can materially increase approval rates and reduce decline-based revenue loss.
• Rich integrations ecosystem: support for 100+ countries and 140+ partner connections accelerates global expansion.

Cons:

• Cost model complexity: pricing can vary by volume, connectors, and enterprise needs; small merchants should evaluate whether the platform fee plus per-transaction costs are economical relative to direct gateway relationships.
• Added orchestration layer: introducing a middleware layer adds architecture complexity and another dependency in the payments flow, which requires operational monitoring and SLAs.
• Customization trade-offs: the normalized API abstracts many provider-specific behaviors; for edge-case provider features some engineering work may still be necessary.

Operational considerations include the need to plan for failover testing, reconciliation practices across multiple processors, and ensuring your fraud and compliance rules are compatible with multi-processor routing. Businesses should conduct a cost/benefit analysis using projected monthly volumes, expected approval lift from routing optimization, and development time savings from single integration.

Spreedly free trial

Spreedly typically offers trial or sandbox environments that allow developers to test vaulting, API calls, and some connector behaviors without processing live funds. These developer sandboxes are intended to validate integration logic, confirm token workflows, and simulate responses from supported connectors before moving to production.

Sandbox environments include test credentials, simulated responses, and documentation to help engineering teams build and validate routing, retry, and tokenization workflows. For production testing with live endpoints, Spreedly often requires that partner agreements with specific gateways be in place and that account-level configuration be completed.

If you want to evaluate Spreedly in a real-world setting, request access to a sandbox and ask about pilot programs or staged rollouts that let you route a fraction of live traffic through the platform to measure approval-rate changes and latency impacts. See their developer resources on the Spreedly documentation site for details on sandbox usage and API behavior.

Is Spreedly free

No, Spreedly is not offered as a completely free product for production use. They provide developer sandboxes and trial/test credentials for evaluation, but production access and full connector functionality require a paid subscription or enterprise contract. Small teams can use the sandbox to prototype and integrate, but ongoing production use will incur platform and usage fees; check their official pricing page for specifics.

Spreedly API

Spreedly’s API is the primary integration surface for tokenization, payment method vaulting, transaction routing, and connector management. The API is RESTful and documented for common languages with example requests for vaulting, authorizations, captures, and refunds. Developers can use the API to programmatically manage connectors, run simulated transactions in sandbox mode, and pull reconciliation data.

Key API capabilities include:

• Token creation and retrieval for card and alternative payment methods, enabling reuse across connectors.
• Transaction orchestration calls that submit a payment token to one or more configured connectors.
• Connector management endpoints to add, configure, or disable gateways and PSPs programmatically.
• Reporting and activity endpoints to retrieve transaction logs and reconciliation metadata.

Comprehensive developer docs are available on Spreedly’s developer documentation site and include SDKs, sample code, API reference, and guides for common integration patterns such as multi-processor routing and PCI scope reduction. For productionrollouts, teams should review SLOs and SLA options and plan for monitoring and alerting around latency and error rates.

10 Spreedly alternatives

Paid alternatives to Spreedly

• Stripe: full payments platform with global acquiring, robust APIs, and built-in checkout, ideal for developers who want an all-in-one provider with broad feature coverage. Stripe also offers connect and marketplace features for platforms.
• Adyen: enterprise-grade payments platform with direct acquiring in many markets, risk tools, and unified reporting for large merchants and global retailers.
• Braintree: a PayPal company offering tokenization, gateway services, and marketplace features, often chosen for tight PayPal ecosystem integration.
• Checkout.com: a global payments provider focused on enterprise merchants with flexible routing, local payment methods, and detailed reconciliation tools.
• Worldpay (FIS): large acquiring network and gateway services, commonly used by retailers and businesses that require deep acquiring relationships.
• PayPal Commerce Platform: broad coverage for consumer payments and marketplace scenarios, with strong consumer reach and alternative rails.
• Nuvei: payments provider with global acquiring and local payment methods, frequently used by merchants entering regulated or niche markets.

Open source alternatives to Spreedly

• Kill Bill: an open-source billing and payments orchestration platform that supports plugins for gateways and can be extended to handle complex billing scenarios.
• ActiveMerchant: a Ruby library that abstracts multiple payment gateways and can be used as a basis for building a custom orchestration layer.
• Apache OFBiz: an open-source enterprise e-commerce framework that includes payment integration capabilities and can be extended to support multi-connector flows.

Each alternative has trade-offs: paid platforms often provide hosted infrastructure, SLAs, and out-of-the-box integrations, while open-source options require internal development and operations resources to reach comparable coverage and reliability. Evaluate alternatives based on integration effort, geographic coverage, transaction costs, and available support.

Frequently asked questions about Spreedly

What is Spreedly used for?

Spreedly is used for payments orchestration and tokenization. It centralizes connections to multiple gateways and processors, stores payment methods securely in a vault, and provides routing and optimization capabilities to improve approval rates and simplify global payments integration.

How does Spreedly protect payment data?

Spreedly provides a vault for tokenization and secure storage of payment methods. The vault reduces PCI scope for merchants by substituting tokens for raw card data and provides controlled access to tokenized data across connectors; review their security documentation for compliance and encryption details.

Does Spreedly integrate with local payment methods in other countries?

Yes, Spreedly supports integrations with a wide range of gateways and PSPs that offer local payment methods. Their integrations directory shows partner coverage across more than 100 countries, enabling access to region-specific rails and wallets; check the integrations page for partner availability by market.

Can Spreedly help increase payment acceptance rates?

Yes, Spreedly is designed to improve approval rates through routing and retry logic. By dynamically routing transactions based on processor performance, applying fallback connectors, and enabling targeted retries, merchants often see measurable improvements in authorization success.

Is Spreedly suitable for marketplaces?

Yes, Spreedly is commonly used by marketplaces and platforms. It supports tokenization, per-merchant routing, and the ability to onboard many merchants without building a unique integration for each payout or acquiring partner.

How do I access Spreedly’s API documentation?

Spreedly’s API documentation is available on their developer site. Developers can find API references, SDKs, and integration guides at the Spreedly documentation site to help with sandbox testing, connector configuration, and production rollouts.

Does Spreedly offer enterprise SLAs and support?

Yes, Spreedly offers enterprise contracts that include SLAs, dedicated support, and professional services. Enterprise customers can negotiate higher availability guarantees, dedicated onboarding assistance, and custom integrations tailored to high-volume or regulated environments.

How much does Spreedly cost per transaction?

Spreedly’s transaction pricing varies by volume and connector selection. Costs typically include a platform fee plus per-transaction or per-API-call charges; negotiated enterprise contracts can change the effective per-transaction rate. For a precise estimate, provide expected monthly volume and connectors and consult their official pricing page.

Is there a trial or sandbox I can use to test Spreedly?

Yes, Spreedly provides developer sandboxes for evaluation and integration testing. Sandboxes let you validate vaulting, API calls, and basic connector behavior before going to production; see the developer resources at the Spreedly documentation site.

Where can I read user reviews of Spreedly?

You can find user reviews on major software review platforms and industry analysis sites. Look for customer feedback and case studies on sites like G2 and TrustRadius, and review Spreedly’s own customer success stories on their platform or resources pages for context on real-world deployments.

Spreedly careers

Spreedly hires across engineering, product, sales, and customer success roles focused on the payments ecosystem. Typical openings include backend and integration engineers with experience in payment protocols and security, product managers who understand payments operations, and technical account managers who can coordinate complex onboarding with gateways and acquirers.

Candidates should expect interview processes that probe both payments domain knowledge (tokenization, PCI, reconciliation) and general software engineering skills (API design, systems reliability). Spreedly’s company pages and job listings provide role-specific details and application instructions; check Spreedly’s company page for current openings and hiring details.

Spreedly affiliate

Spreedly supports partner and integration programs that enable gateway providers, technology partners, and resellers to integrate with the platform and provide bundled services. If you are interested in partnership opportunities or affiliate arrangements, contact Spreedly’s partnerships or business development teams through their partner integrations page to learn about onboarding, co-marketing, and revenue-sharing possibilities.

Where to find Spreedly reviews

Independent reviews of Spreedly can be found on major software review platforms, industry blogs, and payment technology forums. For structured customer feedback, consult review platforms such as G2, TrustRadius, and Capterra, and read technical case studies and success stories published on Spreedly’s resources pages. These sources provide operational insights on approval-rate improvements, integration effort, and total cost of ownership from real customers.