Payment Orchestration
Route Every Payment to Its Best Path
A single platform that routes every transaction to the optimal provider, reduces failed payments, and consolidates reporting across all your processors.
Smart Routing
Route each transaction to the provider most likely to approve it, at the lowest cost.
Unified Analytics
All transaction data from every provider consolidated in one dashboard.
Fallback Protection
If a payment fails, the platform automatically reroutes to an alternative provider.
See What Smarter Routing Can Save You
Merchants with multiple providers often lose revenue to suboptimal routing. Enter your volume to estimate the impact of intelligent transaction routing.
- Route to the highest-approval, lowest-cost provider
- Automatic fallback when a provider declines
- All providers consolidated in one dashboard
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Your Payment Stack, Under One Roof
Payment orchestration sits between your checkout and your processors. It captures payment data, applies your routing rules, and sends each transaction to the provider that gives it the best chance of approval at the lowest cost.
One Platform, Every Payment Provider
Intelligent Transaction Routing
Every transaction is different. Our orchestration layer evaluates cost, success rate, latency, and your custom rules to select the optimal provider for each payment in real time. The result is higher approval rates, lower processing costs, and fewer failed transactions across your entire portfolio.
Automatic Fallback Routing
When a provider declines or goes offline, the platform reroutes to an alternative automatically. No customer intervention required.
Centralized Reconciliation
All provider data flows into one reconciliation view. No more matching separate files from multiple PSPs.
No Vendor Lock-In
Add or switch providers without rebuilding your integration. Your relationship with each PSP stays independent.
Real-Time Analytics
Monitor approval rates, latency, and costs by provider, region, and transaction type from a single dashboard.
Built for Specialty Merchants
Standard orchestration platforms optimize for volume. Ours is built for merchants who also need to manage specialty industry compliance, chargeback thresholds, and multi-merchant configurations. We route transactions not just for cost and speed, but for the risk profile and regulatory requirements of your specific business.
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Works With Your Existing Stack
Connect your existing gateways, PSPs, and ecommerce platform to the orchestration layer. No need to replace your current infrastructure.
Browse all integrationsWhat Is Payment Orchestration?
Payment orchestration is a layer of software that sits between your checkout and your payment service providers. It captures cardholder data once, applies your routing logic, and directs each transaction to the processor most likely to approve it at the lowest cost. The orchestration platform does not process payments itself. It decides where they go and manages the data flow across all your providers from a single integration.
For merchants with multiple processors, recurring billing, or operations across several markets, orchestration replaces a fragmented stack of individual integrations with a single, intelligent control layer.
How an Orchestrated Payment Works
Each transaction moves through the orchestration layer in a defined sequence:
- Checkout: The customer submits payment details. The platform presents prefiltered options based on location, currency, and risk profile.
- Routing: The orchestration engine selects the optimal provider based on cost, approval rate, and latency rules.
- Processing: The selected PSP or acquirer processes the transaction.
- Fallback: If the first attempt fails, the platform automatically reroutes to an alternative provider.
- Confirmation: A successful authorization is returned to the checkout and the customer receives confirmation.
- Reconciliation: Transaction data from all providers is consolidated automatically into a single reconciliation view.
Payment Orchestration vs. Payment Gateway
A payment gateway processes transactions. A payment orchestrator decides which gateway to use. These are complementary, not competing, functions.
Without orchestration, a merchant with three gateways maintains three separate integrations, three reconciliation files, and three sets of routing decisions made manually. With orchestration, all three gateways connect to a single platform that handles routing automatically and consolidates reporting.
Orchestration also provides redundancy. If one gateway experiences downtime or a policy change that affects your account, the platform routes around it without disrupting your payment flow.
Who Benefits from Payment Orchestration?
Payment orchestration delivers the most value for merchants who:
- Process across multiple markets or currencies and need region-specific routing
- Use more than one payment provider and want to consolidate reporting
- Run recurring or subscription billing and need reliable rebill management
- Operate in specialty verticals where provider relationships require active management
For merchants processing at scale, the improvement in approval rates and reduction in failed transactions typically offsets the cost of orchestration within the first few billing cycles.
