Pharos is a payment orchestration platform that unifies multiple payment gateways (like Mercado Pago, Stripe, dLocal, and Barte) into one intelligent system. We are not a payment gateway — we are the orchestration layer above them.

Pharos is designed for digital businesses that use more than one payment gateway, operate in multiple countries, have subscription-based revenue, care about conversion and approval rates, and want control over their financial stack.

What payment gateways does Pharos support?

Pharos supports multiple payment gateways including Mercado Pago, Stripe, dLocal, Barte, and more. Our platform is designed to be gateway-agnostic and can integrate with most major payment providers.

How do I get started with Pharos?

Pharos is currently in early access. You can request access through our website at usepharos.io/request-access. Our team will review your request and reach out within 48 hours.

v3.2 · LATAM smart routing now GA

One checkout.Every provider.

One API across Stripe, Mercado Pago, dLocal and dLocal Go. Route every transaction by country, method, cost or auth-rate — with automatic fallback when a provider misbehaves.

Start integrating →Book a demo

pay.usepharos.io/checkout

Checkout

live

Order #PH-29481

R$ 1.249,00

BRPix

auto

Routing

Stripe

standby

Mercado Pago

standby

dLocal

standby

dLocal Go

selected

✓Authorized viadLocal Go

118ms

pharos.live · streamingevents/s · 1,284

+0msPOST/v1/checkout/sessions

+4msroutecountry=BR · amount=124900 BRL · pix

+12msmatchrule: LATAM_pix → dlocal_go (cost 1.9%)

+58msauthdlocal_go ✓ 200 · authorized

+118msledgerposted dr/cr · session_29Hgz81

+0.0%

auth rate, average

0ms

p50 routing

providers, 1 API

$0.0B

processed in 2025

One integration · 4 providers connected

StripeMercado PagodLocaldLocal GoStripeMercado PagodLocaldLocal GoStripeMercado PagodLocaldLocal GoStripeMercado PagodLocaldLocal Go

How it works

From four contracts to one.

Pharos sits between your storefront and the providers you already use. Live in an afternoon.

Drop in Pharos

Replace every PSP widget with one SDK — hosted, embedded, or fully custom.

Connect your PSPs

Bring existing contracts. We talk to Stripe, Mercado Pago, dLocal and dLocal Go natively.

Route & reconcile

Smart routing picks the best provider per transaction; every PSP settles into one ledger.

Platform

Everything you'd build in-house. Already built.

Smart routing

Rules + ML pick the optimal PSP per transaction — country, method, BIN, cost, historical auth.

Unified ledger

Every authorization, capture, refund and payout — across providers — in one double-entry ledger.

Retries & fallbacks

Soft declines auto-retried on a different provider. Recover roughly 3% of revenue.

Local methods

Pix, Boleto, OXXO, SPEI, PSE, Yape — surfaced natively per market, settled into one balance.

Fraud & risk

Provider-native signals stitched with our model. Block, challenge, or route around at the edge.

One reconciliation

Statements from every PSP normalized into a single export. Stripe-grade across your stack.

Developers

One SDK. Every provider, every market.

Replace four PSP SDKs with one. Switch routing strategies at runtime. Webhooks normalize into a single event stream.

Read the docs →Quickstart

Node

@pharos/node

Python

pharos-python

pharos/go

Ruby

pharos-ruby

checkout.tsPOST /v1/checkout/sessions● 200 OK · 118ms

// One API. Pharos picks the right provider.
import { Pharos } from "@pharos/node"

const pharos = new Pharos({ apiKey: env.PHAROS_KEY })

const session = await pharos.checkout.create({
  amount:   124900,
  currency: "BRL",
  customer: { country: "BR", email: "a@x.io" },
  routing:  "auto", // or rules / specific provider
  providers: ["stripe", "mercado_pago", "dlocal", "dlocal_go"],
})

// → session.provider === "dlocal_go"  · 118ms
// → session.url      === "https://pay.usepharos.io/cs_…"

FAQ

The unglamorous questions.

Things finance & engineering both want answered before signing.

Yes. Pharos sits on top of your own contracts. You keep the rates you've negotiated; we orchestrate.

Every provider.
One control plane.

Ship a unified checkout in a sprint. Keep your PSP contracts. Lose the integration tax.

Start integrating →Book a demo

One checkout.Every provider.

From four contracts to one.

Everything you'd build in-house. Already built.

One SDK. Every provider, every market.

The unglamorous questions.

Every provider.One control plane.

Every provider.
One control plane.