Shuttle vs Spreedly

Infrastructure vs Product

Spreedly and Shuttle both provide multi-PSP connectivity. Both eliminate the need to build individual gateway integrations. But they're fundamentally different products built for different use cases.

Spreedly is payment infrastructure: a vault and API layer that connects your application to 140+ payment gateways, with tokenisation, routing, transaction management and a drop-in payment form. You build the rest (onboarding, reporting, merchant management) on top.

Shuttle is an embedded payment product: a complete payment layer that platforms deploy for their merchants. It includes white-label checkout, onboarding, merchant portal and multi-channel support through a single integration, and it limits your PCI scope.

The simplest way to think about it: Spreedly gives you building blocks. Shuttle gives you a finished solution.

Side-by-Side Comparison

Where Spreedly Wins

Vault Depth

Spreedly's vault is their foundational product. Features include:

• PSP-independent tokenisation (tokens portable across any gateway)

• Network tokenisation (Visa, Mastercard, Discover tokens)

• Payment method lifecycle management (keeps cards "evergreen" through automatic updates)

• BIN enrichment and Payment Account Reference (PAR)

For enterprises that need a best-in-class token vault decoupled from any single PSP, Spreedly's vault is the benchmark.

Connection Count

140+ gateway connections. If you need a specific niche gateway or regional processor, Spreedly is more likely to have it pre-built.

Decline Recovery

Spreedly offers transaction retries and intelligent failover, rerouting declined transactions to secondary gateways or retrying with optimised parameters. For high-volume merchants losing revenue to declines, this directly improves authorisation rates.

Fraud Orchestration

Following their acquisition of Dodgeball, Spreedly now offers integrated fraud orchestration within the payment flow. This combines multiple fraud detection tools in a unified workflow, a capability that differentiates them from pure vault/routing solutions.

Enterprise Track Record

Spreedly has deep enterprise credibility and has been operating since 2007.

Where Shuttle Wins

Complete Product vs Building Blocks

This is the core distinction. Spreedly provides APIs. You build the product.

With Spreedly, a platform still needs to build:

• Merchant onboarding flows

• Merchant management portal

• Transaction reporting UI

• Refund management interface

• Channel-specific payment flows (voice, links, chat)

With Shuttle, these are included, pre-built and white-label.

For a platform that needs to offer payment capabilities to its merchants, Spreedly is a starting kit. Shuttle is a finished product.

Multi-Channel Coverage

Shuttle supports these payment channels through one integration:

• Voice payments: PCI-compliant DTMF capture during phone calls, agent-assisted payment flows, AI voice agent payment processing

• Payment links: Branded payment links sent via SMS, email, or messaging

• AI agent payments: Consumer card capture through AI voice and chat agents

• Chat payments: Secure payment within messaging interfaces

The clearest difference is the phone: Shuttle captures card details inside a live call, for a person or an AI agent.

Pre-Built Components

Pre-built components (checkout, onboarding, portal) mean the platform doesn't need to build payment UI from scratch.

Built-In Reporting

Shuttle includes a white-label merchant portal with transaction views, refund management, and reporting, out of the box.

Compliance Breadth

Both hold PCI DSS Level 1. Shuttle also holds ISO 27001 and SOC 2 certifications, important for platforms in regulated industries (insurance, healthcare, financial services) where these certifications are procurement requirements.

The Platform Question

The decision often comes down to one question: Are you a merchant or a platform?

If you're a merchant (you have your own PSP relationships, your own payment engineering team, and you want to optimise your payment stack), Spreedly is built for you.

If you're a platform (you need to embed payment capabilities for your merchants, with white-label tools, multi-channel support, and the ability for different merchants to use different PSPs), Shuttle is built for you.

Spreedly's "merchant aggregator" APIs acknowledge the platform use case exists, but it's a developer-level construct, not a product-level solution. You'd still need to build onboarding, reporting and merchant management on top of Spreedly's APIs, essentially building a payment product from infrastructure components.

When to Choose Spreedly

• You're a merchant (not a platform) with a complex, multi-PSP payment stack

• You need the deepest possible vault: network tokenisation, lifecycle management, BIN enrichment

• You need 140+ gateway connections, including niche or regional processors

• You want integrated fraud orchestration (via Dodgeball/Protect product)

• You have a payment engineering team that can build onboarding and reporting

• Transaction routing optimisation is your primary goal (decline recovery, failover)

When to Choose Shuttle

• You're a platform embedding payments for your merchants

• You need white-label tools: checkout, onboarding, merchant portal

• You need multi-channel: voice, links, chat, AI agent payments

• You want one integration across every PSP

• You need built-in reporting and merchant self-service

• You're in a regulated industry requiring ISO 27001 and SOC 2

FAQ

Doesn't Spreedly have more PSP connections? Yes: 140+ against Shuttle's 40+. The question is whether you need connections to niche regional processors that Shuttle may not cover, or whether the 40+ gateways Shuttle supports meet your merchants' requirements. More connections don't help if you still need to build everything else.

What about Spreedly's agentic commerce? Spreedly markets agentic commerce as a live channel for merchants, for payments that AI agents initiate. Shuttle does something different: it captures a consumer's card inside an AI voice or chat conversation, in a PCI-compliant environment.

How does Spreedly's vault compare with Shuttle? They do different jobs. Spreedly's Advanced Vault holds card credentials independently of any gateway, with network tokenisation, payment method lifecycle management and BIN enrichment. Shuttle has no vault of its own: cards are tokenised with the gateway that processes them, and saved cards stay with that gateway. If your primary need is a token vault decoupled from PSPs, Spreedly is the fit. If your primary need is embedded platform payments across many merchants, that is what Shuttle is built for.

Can I switch from Spreedly to Shuttle? Yes. The migration involves reconnecting your PSPs through Shuttle and asking card-on-file customers to re-enter their card on your gateways (Spreedly tokens are Spreedly-specific). Your existing PSP relationships carry over where Shuttle supports the gateway, because you connect the same accounts to Shuttle. Spreedly routing rules do not: Shuttle sends each payment method to the gateway configured for it. The practical benefit: you gain white-label tools, multi-channel support, and simpler reporting, while reducing integration complexity.

Isn't Spreedly cheaper? Spreedly's pricing page lists its Independent Vault from $750 per month, with other plans quoted on request. That doesn't include the cost of building onboarding, reporting and merchant management, which the platform develops and maintains separately. Factor in the engineering to build what Shuttle provides out of the box and the total cost comparison shifts.

Need a payment product, not payment infrastructure? Shuttle gives platforms white-label checkout, merchant onboarding, and a management portal, plus 40+ PSPs, voice payments, payment links, and AI agent support. All in one integration.

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