Payment Account Rotation

Keep selling when PayPal restricts one account.

Distribute order volume across multiple PayPal accounts. Restriction on one? The others keep processing — automatically, without touching your checkout.

See how it works

No credit card required.

5rotation modes

$69/mofrom

72hidempotency

30-dayfree trial

Account Rotation

Account	Status	Volume	Orders	Limit
PayPal US 01	Active	$12,450	147	62%
PayPal US 02	Near limit	$8,200	98	82%
PayPal US 03	Active	$6,100	71	31%

$26,750total volume

316orders today

3/3accounts active

The problem

It happens on a Tuesday. Without warning.

One email. Every pending order stops. You have no idea when it ends.

Tue 9:04 AM Email from PayPal: "Your account has been temporarily limited." No reason. No timeline.

9:05 AM 47 orders in queue. All pending. Customers already charged. $3,200 frozen

9:47 AM First customer email: "Where is my order?" You have no answer.

11:23 AM Revenue placed under review. No appeal option visible. No estimated resolution date. still $3,200

Day 2 Support ticket open. Automated reply: "Your case is under review." Nothing else.

Day 4 23 refund requests. Conversion rate down. The account unlocks — the customers don't come back. 4 days lost

With Rotōr, from 9:05 AM — orders would have routed to your other accounts automatically. Zero downtime. Zero customer emails.

$3K hold

Revenue spike flagged as unusual

Based on merchant reports

60-day

5% rolling reserve withheld

Based on merchant reports

$8K held

180-day dispute. No ETA.

Based on merchant reports

Distributing volume across accounts is standard practice. Rotōr automates it.

How it works

Three steps. Your checkout is unchanged.

Customers see nothing different. Your accounts stay healthy.

01 —

Plugin detects order

The WooCommerce plugin intercepts each order at checkout and sends a rotation request to Rotōr before handing off to PayPal.

02 —

Rotōr selects account

The rotation engine evaluates all connected accounts using your configured mode — amount, time, count, round robin, or weighted — and returns the optimal account in milliseconds.

03 —

PayPal processes

The order processes through the selected account. If that account receives a PAYEE_ACCOUNT_LOCKED signal mid-flight, Rotōr auto-detects and fails over to the next available account.

Rotation modes

Five ways to distribute volume.

Each mode targets a different risk pattern. Use them individually or combine.

Amount

Switch after $X collected on an account. Keeps each account under volume thresholds.

Time

Switch every N hours. Spreads exposure across time periods automatically.

TX Count

Switch after N orders. Limits transaction density per account.

Round Robin

Equal distribution across all accounts. Simple, predictable, and fair.

Weighted

Account A gets 60%, B gets 40%. Proportional to limits or trust level.

How we compare

Rotōr vs CardShield.

Same problem space. WooCommerce-native architecture and a lower price point.

Feature	CardShield	Rotōr
Solo plan	$80/mo	$69/mo
Growth plan	$300/mo	$199/mo
Business plan	$675/mo	$399/mo
Scale plan	$800/mo	$799/mo
Rotation modes	2	5
Per-account proxy	Not documented ^*	✓
Auto-failover on restriction	Not documented ^*	✓
Unified real-time dashboard	Not documented ^*	✓
WooCommerce-native plugin	—	✓
Dedicated deployment	—	✓
72h idempotency keys	—	✓

* Not documented publicly — may or may not exist. Verify before relying on this comparison.

Security

Your PayPal credentials are encrypted. Always.

Managed SaaS

AES-256-GCM encryption at rest

Your client_secret is encrypted with AES-256-GCM before storage. Decrypted in-process only, at the moment of use. Never written to logs. Never transmitted in plaintext. Your client_id is the only credential safe to expose in browser JS — Rotōr never sends secrets to the frontend.

AES-256-GCM In-process only No plaintext

Contract tier — dedicated deployment

Your credentials stay on your server

For contract deployments, Rotōr runs entirely on your infrastructure. Credentials never leave your environment. No shared multi-tenant storage. Full data isolation. Deploy with a single docker compose up — the full stack (Fastify + Redis + PostgreSQL) ships as one command.

Dedicated Full isolation Docker Compose

Under the hood

Encryption

AES-256-GCM

Credentials encrypted at rest. Decrypted in-process only, at the moment of use. Never written to logs.

Rotation latency

<1ms

Redis Lua atomic select. Race-free by design — no double-assignment under concurrent load.

Idempotency window

72h

Redis EX 259200 + DB UNIQUE constraint. Duplicate orders blocked at both layers.

Deploy

1 command

Full stack ships as a single docker compose up. Fastify + Redis + Postgres. Up in under a minute.

Pricing

Start free. Pay when you grow.

No credit card at signup. Your 30-day trial includes all 5 rotation modes and the full dashboard.

CardShield users get priority onboarding on any plan.

	Solo	Most popular Growth	Business	Scale
	$69 /mo	$199 /mo	$399 /mo	$799 /mo
PayPal accounts	5	15	40	100
Rotation modes	5	5	5	5
Auto-failover	✓	✓	✓	✓
72h idempotency	✓	✓	✓	✓
Per-account proxy	—	✓	✓	✓
Dedicated support	—	—	✓	✓
Dedicated deployment	—	—	—	Contract

No credit card required. 30-day free trial on all plans.

Questions

Frequently asked.

Does using Rotōr violate PayPal's Terms of Service?

Compliance with PayPal's Terms of Service is the responsibility of the merchant. Rotōr is a payment routing and account management tool. Distributing payment volume across multiple accounts is standard operational practice for high-volume merchants. We recommend reviewing PayPal's merchant agreement and consulting legal counsel before deploying any payment routing strategy.

Does Rotōr work with Shopify?

Rotōr is built specifically for WooCommerce. The plugin hooks directly into WooCommerce's payment gateway API. Shopify uses a closed payment infrastructure that does not support third-party routing layers of this kind. If you're on Shopify, Rotōr is not the right tool.

What happens when a PayPal account is restricted while orders are in flight?

Rotōr monitors for the PAYEE_ACCOUNT_LOCKED signal from PayPal's API. When detected, the restricted account is removed from rotation immediately and flagged in your dashboard. In-flight orders that received a LOCKED response are retried on the next available account. You receive a webhook alert the moment a restriction is detected.

I'm using CardShield. How do I migrate?

CardShield users get priority onboarding. Start a free trial and mention CardShield in the onboarding form — we'll help you migrate your configuration. The WooCommerce plugin installs in under 5 minutes. There's no downtime: you can run both in parallel during your trial to validate before switching over.