+180 countries
+R$ 100M processed
500K creators
0%
Competitive card rates
Traditional gateways stack fees across authorization, settlement and chargeback handling. Cakto consolidates everything into a single transparent rate with no hidden costs. For a SaaS processing $100K/month, that difference compounds fast.
Native transparent checkout
Your customer pays inside your system, with no redirect. Up to 78% of consumers abandon when redirected to external pages (Opinion Box). Transparent checkout eliminates that loss.
Direct debit for recurring billing
Charge recurring plans directly from your customer's bank account, without depending on card limits or expiration dates. Higher renewal rates. Less involuntary churn. Fewer failed payments.
Native payment split
White label included
The entire payment experience with your brand. Your customer never sees "Cakto" at any point. Customizable notifications, checkout and receipts.
Integration in days, not weeks
REST API with complete documentation, free sandbox and dedicated dev support. Average integration time: 3 to 7 days versus 2 to 6 weeks with traditional gateways.
What you can do with the Cakto API
One integration. All the features.
What is the Cakto Payments API?
Cakto is a REST API that allows SaaS and digital platforms to process payments via credit card, debit card, direct debit and bank transfer within their own system, with transparent checkout and native split.
1. Create your account and generate your API Key
Open your Cakto account. Generate the API key in the dashboard. Instant sandbox access. Time: 5 minutes.
2. Test in the sandbox
An environment that replicates 100% of production. Simulate card and direct debit charges. Configure webhooks. Validate the complete flow.
3. Integrate with your application
REST API compatible with Python, Node.js, PHP, Ruby, Java, Go and any language that makes HTTP requests. Documentation with examples for each endpoint.
4. Go live
Switch the sandbox key for the production key. Start processing real charges. Dedicated support throughout the entire migration.
POST /v1/payments
{
"customer": "cus_abc123",
"billingType": "PIX",
"value": 97.00,
"dueDate": "2025-12-15"
}
How long does it take to integrate the Cakto API?
Developers make the first test charge within a few hours. Full integrations take
3 to 7 days, with a free sandbox and dedicated support.
Head-to-head comparison
For SaaS platforms looking for the best payments API, the decisive criteria are: card rates,
transparent checkout, direct debit for recurring billing, native split and integration speed.
Other APIs
Cakto API
What is the best payments API for SaaS?
Cakto stands out by offering competitive card rates, direct debit for recurring billing, transparent checkout,
native split and integration in days, with features built specifically for SaaS and digital platforms.
SaaS with recurring billing:
Automate charges via card or direct debit. With direct debit, renewal no longer depends on card limits or expiration dates.
Digital product and community platforms:
Sub-accounts and split to manage co-producers and affiliates. Each partner gets paid automatically.
Online education and course platforms:
Charge enrollments, subscriptions and installments with transparent checkout that does not lose the student midway.
Apps and digital service platforms:
Payments integrated directly into the app. Webhooks syncing the backend in real time.
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Fintechs and SaaS:
Build financial solutions with white label and a complete API. Your brand, our infrastructure.
The payment experience is where your SaaS wins or loses the customer.
Every extra step in the checkout is revenue left on the table.
FAQ
Frequently Asked Questions
What payment methods are supported?
Credit card, debit card, direct debit and bank transfer. All methods are available natively via API.
What is direct debit recurring billing?
It is a recurring charge made directly from the customer's bank account, without depending on a card. It delivers higher renewal rates and significantly reduces involuntary churn.
Does it work with any programming language?
Yes. The Cakto API is REST and compatible with Python, Node.js, PHP, Ruby, Java, Go and any language capable of making HTTP requests.
Is there a sandbox?
Yes, free and with 100% of production features. You can simulate card and direct debit charges before going live.
How long does integration take?
Between 3 and 7 days on average, with free sandbox and dedicated developer support throughout the process.
Does it support white label?
Yes. The entire payment experience carries your brand. Your customer never sees "Cakto" at any point.
Is there a cost to use the API?
No monthly fee. You only pay per transaction, with a single transparent rate and no hidden fees.
How does split work?
You configure percentages or fixed amounts via API. At the time of settlement, the amount is automatically distributed between the registered accounts.
Is the checkout transparent?
Yes. Your customer pays directly inside your platform, with no redirects to external pages.
