Payment orchestration comparison
Corefy is a payment orchestration platform for merchants and payment institutions, with cascading retries across connected providers, a white-label merchant portal, and a no-code checkout builder. FloPay is orchestration aimed at the revenue you keep: published pricing, network tokenization that survives a reissued card, and a portal your own customers can use. Pick the model that matches who you serve and how much of the stack you want to run.
Capability match
Every comparison covers the same capabilities, so you can weigh the trade-offs that affect your revenue. Official company sources are linked where available.
| Capability | FloPay | Corefy | Evidence and notes |
|---|---|---|---|
| Independent Card Vault | Validated | Validated | View official source Corefy documents a dedicated PCI DSS compliant card vault, and stored tokens can be retried across the providers you connect. |
| Subscription Recovery / Dunning | Validated | Validated | View official source Recurring token cascading retries stored tokens across providers to recover failed subscription charges. |
| Chargeback Prevention | Validated | Validated | View official source Corefy documents preventing disputes before they become chargebacks by sharing real-time transaction details with customers and issuers. |
| Multiple Card Providers / Cascading Processing | Validated | Validated | View official source Cascading groups retry a failed transaction with another eligible provider without asking the customer to re-enter details. |
| Smart Routing / Failover Protection | Validated | Validated | View official source Priority routing falls back to the next eligible provider, and provider health monitoring reroutes traffic away from unstable paths. |
| Dynamic Payment Selection | Validated | Validated | View official source Checkout shows relevant methods based on market, currency, customer context, and the merchant configuration. |
| Local / Alternative Payment Methods | Validated | Validated | View official source Corefy documents cards, wallets, bank transfers, and local methods across its connector network. |
| SDK / API Documentation | Validated | Validated | View official source |
| No-Code Integrations | Validated | Validated | View official source The checkout builder configures branded hosted payment pages through a visual interface rather than code. |
| Hosted Payment Pages | Validated | Validated | View official source |
| Clear & Transparent Pricing | Validated | Not supported | No official source published. Corefy publishes plan tiers and support add-on rates, but its monthly infrastructure fee is listed as custom, so the platform price comes from a quote. |
| Automated Sales Tax Reporting | Not supported | Not supported | No official source published. Corefy documents VAT settings for commerce invoices and states that paying the tax stays with the merchant. Sales tax reporting is not documented. |
| Cart Abandonment / Recovery | Not supported | Not supported | No official source published. Corefy analytics report a cart abandonment rate, but its official site does not document an abandonment recovery flow. |
| AI Payment Monitoring and/or Optimization | Not supported | Not supported | No official source published. Corefy documents rule-based routing optimization and provider monitoring with alerts, but not AI payment monitoring or optimization. |
| MID Onboarding | Not supported | Not supported | No official source published. Corefy states that clients need their own direct contracts with payment providers, and points merchant account assistance to its separate PayAtlas project. |
| Company Formation Support | Not supported | Not supported | No official source published. |
| Multi-Currency / FX Support | Validated | Validated | View official source Corefy documents FX schemes, configurable rate sources, and conversion applied across payments, payouts, and checkout. |
| Network Tokenization | Validated | Not supported | No official source published. Corefy documents merchant-level tokens in its own vault and maps provider-issued tokens to them, but not card-network tokens. |
| Automatic Card Updater | Not supported | Not supported | No official source published. Corefy defines account updater services in its developer glossary, but does not document running one for stored cards. |
| PCI DSS Compliance Level | Validated | Validated | View official source Corefy states that it operates as PCI DSS Level 1 payment infrastructure. |
| 3DS2 / Fraud Rules Engine | Not supported | Validated | View official source Corefy documents 3D Secure 1 and 2 applied by transaction attributes, plus triggers that tighten or relax those rules. The velocity, BIN and issuer, and IP filtering controls are documented separately on Corefy's security and compliance page. |
| Settlement / Payout Speed | Not supported | Not supported | No official source published. Corefy states that it does not hold client funds and that payout speed depends on the connected provider, so no settlement window is published. |
| Customer Self-Service Portal | Validated | Not supported | No official source published. The Corefy merchant portal is a white-label back office for the merchants a payment institution serves, not a portal for their end customers. |
| Revenue Recognition & Reporting | Validated | Not supported | No official source published. Corefy documents analytics, reconciliation, and ledger reporting, but not revenue recognition. |
| Sandbox / Test Environment | Validated | Validated | View official source Corefy documents a sandbox environment with test keys for validating an integration before going live. |
What to consider
You cannot budget against a price you have to ask for. FloPay validates clear and transparent pricing. Corefy publishes plan tiers, included transaction volumes, and support add-on rates, but its monthly infrastructure fee is listed as custom, so the headline cost still comes out of a sales conversation. If you shortlist Corefy, ask for a written quote covering the platform fee, per-transaction rates, and add-ons before you compare total cost.
Network tokens are kept current by the card schemes, so a reissued card does not quietly become a failed charge. FloPay validates network tokenization. Corefy documents merchant-level tokens held in its own PCI DSS Level 1 vault and maps provider-issued tokens to them, which keeps your integration stable across providers but leaves scheme-level credential updates outside the platform.
Every card a customer can update themselves is a support ticket your team never opens. FloPay validates a customer self-service portal. Corefy's merchant portal is a white-label back office for the merchants a payment institution serves, so the people who actually pay you still come through your own support queue to change a card or chase a payment.
This row goes to Corefy. Its routing and cascading page documents 3D Secure 1 and 2 applied selectively by transaction attributes, triggers that tighten or relax those rules as risk moves, and conditions keyed on attributes such as country, BIN, currency, amount, and merchant. Its security and compliance page adds risk evaluation on every incoming transaction through velocity limits, BIN and issuer filters, IP filtering, and transaction amount controls. FloPay does not currently validate 3DS2 or a fraud rules engine, so teams that need built-in cardholder authentication should weigh that Corefy strength against the pricing, tokenization, and customer portal differences above.
FAQ
Both products orchestrate payments across providers you contract yourself. Corefy is built for payment institutions and platforms that resell payments: a provider hub, merchant-level configuration, and a white-label merchant portal your merchants log into. FloPay is built around the revenue a merchant keeps, with published pricing, network tokenization, a portal for your own customers, and revenue recognition reporting.
Partly. Corefy publishes three plan tiers, the transaction volume included in each, per-transaction rates above some of those limits, and the cost of its premier and turnkey support plans as a share of the invoice. The monthly infrastructure fee itself is listed as custom, so the platform cost comes from a quote. FloPay validates clear and transparent pricing.
FloPay validates a customer self-service portal. Corefy's portal is a white-label back office for the merchants a payment institution serves, covering onboarding, transactions, reports, and payouts under your brand. It is a merchant tool rather than a place for the customers those merchants bill.
Corefy documents merchant-level tokens created after a first successful payment and stored in its own PCI DSS Level 1 vault, and it maps provider-issued tokens back to that single reference. Card-network tokens from Visa or Mastercard, which the schemes refresh when a card is reissued, are not documented as a Corefy capability, so that row is not supported here. FloPay validates network tokenization.
Yes. Corefy documents recurring token cascading, which retries a stored token across other eligible providers to recover a failed subscription charge, alongside retry management and provider health monitoring. FloPay validates subscription recovery and dunning as well, so compare how each one handles retry timing and the customer messaging around it.
Yes. Corefy's routing and cascading page documents 3D Secure 1 and 2 applied by transaction parameters instead of a blanket rule, triggers that adjust those rules as risk changes, and conditions keyed on attributes such as country, BIN, currency, and amount. Its security and compliance page documents risk evaluation on every incoming transaction through velocity limits, BIN and issuer filters, IP filtering, and transaction amount controls. FloPay does not currently validate 3DS2 or a fraud rules engine.
No. Corefy states that it does not provide financial services and does not hold client funds, and that you need direct contracts with payment providers and a business bank account before integrating. Merchant account opening assistance is offered through its separate PayAtlas project. Payout speed depends on the connected provider, so no settlement window is published.
It means we were unsure or unable to validate that capability from the company website. It does not mean the capability is unavailable. If you can point us to an official page that proves otherwise, use the discrepancy link and we will update the row.
Own your card vault, route around processor failures, and recover more subscription payments. Talk to us about what FloPay would change for your business.