PayRouter

Route international payments to the cheapest gateway automatically.

Score: 8.1/10LRMedium BuildReady to Spawn
Brand Colors

The Opportunity

Problem

Small business owners face high transaction fees and poor customer support from Stripe when processing international payments.

Solution

PayRouter integrates your checkout with multiple low-fee providers (e.g., Adyen, Rapyd) and dynamically routes based on customer location/currency for max savings. It provides a unified API/dashboard, bypassing Stripe's high intl fees. Superior support via live chat and setup wizards.

Target Audience

Small business owners processing international payments

Differentiator

Real-time smart routing across 5+ gateways, no code changes needed.

Brand Voice

professional

Features

Unified Checkout API

must-have12h

Single API endpoint that routes to optimal gateway.

Gateway Integrations

must-have15h

Pre-built connections to Stripe, Adyen, Rapyd, etc.

Smart Router

must-have10h

AI selects cheapest route per tx based on geo/currency/fees.

Performance Dashboard

must-have8h

Track routes, savings vs Stripe, success rates.

Webhook Handling

must-have7h

Unified webhooks for all gateways.

Setup Wizard

must-have8h

No-code wizard to connect gateways and embed checkout.

Fallback Routing

nice-to-have5h

Auto-fallback to backup gateways on failures.

A/B Testing

nice-to-have6h

Test routing strategies.

Custom Rules Engine

nice-to-have5h

User-defined routing logic.

Advanced Analytics

future12h

Predictive fee forecasting.

Total Build Time: 88 hours

Database Schema

users

ColumnTypeNullable
iduuidNo
emailtextNo
created_attimestampNo

gateways

ColumnTypeNullable
iduuidNo
user_iduuidNo
providertextNo
api_keytextNo
is_activeboolNo

Relationships:

  • β€’ user_id references users(id)

routes

ColumnTypeNullable
iduuidNo
user_iduuidNo
countrytextNo
currencytextNo
preferred_gateway_iduuidNo

Relationships:

  • β€’ user_id references users(id)
  • β€’ preferred_gateway_id references gateways(id)

transactions

ColumnTypeNullable
iduuidNo
route_iduuidNo
feesintNo
statustextNo

Relationships:

  • β€’ route_id references routes(id)

API Endpoints

POST
/api/checkout

Process payment with smart routing

πŸ”’ Auth Required
POST
/api/gateways

Add/connect gateway

πŸ”’ Auth Required
GET
/api/routes

List routing rules

πŸ”’ Auth Required
GET
/api/transactions

Fetch transaction history

πŸ”’ Auth Required
POST
/api/webhooks

Handle gateway webhooks

Tech Stack

Frontend
Next.js 14 + Tailwind CSS + shadcn/ui
Backend
Next.js API routes + Supabase
Database
Supabase Postgres
Auth
Supabase Auth
Payments
Stripe
Hosting
Vercel
Additional Tools
Resend (emails)Zod (validation)Rapyd/Adyen SDKs

Build Timeline

Week 1: Auth and dashboard

20h
  • βœ“ User system
  • βœ“ Basic UI

Week 2: Gateway integrations

30h
  • βœ“ 2 gateways connected
  • βœ“ Setup wizard

Week 3: Routing engine

25h
  • βœ“ Smart router
  • βœ“ API endpoint

Week 4: Webhooks and dashboard

25h
  • βœ“ Unified webhooks
  • βœ“ Analytics

Week 5: Polish and test

20h
  • βœ“ Fallbacks
  • βœ“ Testing
  • βœ“ Landing

Week 6: Nice-to-haves

15h
  • βœ“ A/B testing
  • βœ“ Deploy
Total Timeline: 6 weeks β€’ 165 hours

Pricing Tiers

Free

$0/mo

No custom rules

  • βœ“1 gateway
  • βœ“Basic routing
  • βœ“100 tx/mo

Pro

$32/mo
  • βœ“5 gateways
  • βœ“Smart AI
  • βœ“Unlimited tx
  • βœ“Webhooks

Enterprise

$99/mo
  • βœ“Unlimited gateways
  • βœ“Custom rules
  • βœ“Priority support
  • βœ“SLA

Revenue Projections

MonthUsersConversionMRRARR
Month 1804%$102$1,224
Month 66008%$1,536$18,432

Unit Economics

$35
CAC
$460
LTV
5%
Churn
88%
Margin
LTV:CAC Ratio: 13.1xExcellent!

Landing Page Copy

Route Payments to Save 25% on International Fees

PayRouter auto-selects the best gateway – seamless, smart, and Stripe-compatible.

Feature Highlights

βœ“Multi-Gateway Support
βœ“AI Routing
βœ“Unified API
βœ“Savings Analytics
βœ“Easy Wizard

Social Proof (Placeholders)

"Fees down 28% instantly! - Jordan, SaaS founder"
"Perfect for global sales. - Lisa, Retailer"
"No more Stripe routing pains. - Tom, Dev"

First Three Customers

Target Shopify/ WooCommerce app stores with 'international payments' search, offer free Pro for 3 months to first integrators. Share on Hacker News 'Show HN' and cold outreach to 50 devs on LinkedIn.

Launch Channels

Product HuntHacker NewsIndie HackersTwitter/XShopify App Store

SEO Keywords

international payment routermulti gateway payment apicheaper stripe alternative internationaldynamic payment routinglow fee global payments

Competitive Analysis

Transaction fees + setup
Strength

Global coverage

Weakness

Complex setup, no auto-routing

Our Advantage

Plug-and-play routing across providers

Stripe Connect

stripe.com/connect
Fees only
Strength

Easy for US

Weakness

High intl fees, no routing

Our Advantage

Optimizes over Stripe without full switch

🏰 Moat Strategy

Network effects from shared routing data improving predictions for all users.

⏰ Why Now?

Gateway proliferation (Rapyd, etc.) creates routing opportunity amid Stripe dominance fatigue.

Risks & Mitigation

technicalmedium severity

Gateway API downtimes

Mitigation

Multi-fallbacks and monitoring

markethigh severity

Dev preference for single gateway

Mitigation

No-code focus + free tier

executionmedium severity

Routing logic complexity

Mitigation

Start simple, iterate

financiallow severity

Gateway affiliate fees low

Mitigation

SaaS sub model primary

Validation Roadmap

pre-build5 days

Survey 15 devs/small biz on gateway pains

Success: 5 interested in beta

mvp21 days

2-gateway MVP, 3 paying users

Success: 10% fee savings proven

growth30 days

Integrate with Shopify, track MRR

Success: 10 Pro users

Pivot Options

  • β†’Focus on eCom plugins only
  • β†’Add invoicing
  • β†’B2B enterprise routing

Quick Stats

Build Time
165h
Target MRR (6 mo)
$2,500
Market Size
$8000.0M
Features
10
Database Tables
4
API Endpoints
5