PaymentKit is a processor-agnostic billing and payment orchestration platform that helps subscription and recurring revenue businesses take full control of the entire lifecycle of a dollar, from signup to the moment revenue lands in the bank. It combines three layers in a single command center: subscription billing with flat fee, tiered, and usage based models plus trials, upgrades, pauses, prorations, hosted checkout, and self service customer portals; smart payment orchestration that routes each transaction across multiple PSPs by success rate, cost, geography, card brand, and payment method. It has automatic failover and independent token vaulting so merchants own their tokens and can move between processors without downtime or migration churn; and unified revenue metrics that consolidate MRR, churn, and PSP performance across every processor, with anomaly detection and churn monitoring. PaymentKit serves B2B SaaS, ecommerce and retail, streaming and media, AI usage-based software, and high-risk industries. It integrates in under an hour via no-code components or APIs and SDKs, is PCI Level 1 compliant, and positions itself as neutral infrastructure, so a processor policy change can never shut a business down overnight.