Payment orchestration
Routing between providers and cascading.
Payoneer
Payoneer is a cross-border payments platform for companies, freelancers and marketplaces: receiving international revenue, payment requests and mass payouts…
Paystack
Paystack is a payment gateway and orchestrator for African businesses, founded in 2015 in Lagos and now part of Stripe. It handles online and in-person…
Paystand
Paystand is a B2B payment orchestration and accounts receivable automation platform, founded in 2013 and based in Scottsdale, California. It routes business…
PayU
PayU runs a global payment orchestration and multi-acquiring platform that came from Zooz, a company founded in 2010 in Tel Aviv with a presence in Amsterdam…
Peach Payments
Peach Payments is a payment orchestration and acquiring platform for businesses in Africa, founded in 2012 with its base in Cape Town and a presence in…
Praxis Tech
Praxis Tech is a payment orchestration platform and smart cashier for iGaming, forex and high-risk businesses, founded in 2014 in Limassol, Cyprus. It offers…
Rapyd
Rapyd is a fintech-as-a-service and payment orchestration platform founded in 2016, with offices in London and Tel Aviv. It brings together 900+ payment…
Razorpay
Razorpay is a payment aggregator and gateway founded in 2014 in Bengaluru, India. Its Optimizer product is an AI payment orchestration layer that manages how…
Unlimit
Unlimit (formerly Unlimint) is a London-headquartered payment and fintech infrastructure group founded in 2009. It combines its own direct acquiring on several…
BridgerPay
BridgerPay is a global payment orchestration platform that connects 1,000+ providers without code. It was founded in 2019 and is based in Limassol, Cyprus…
Related subsections
What a payment orchestration platform does
A payment orchestration platform puts one API and one dashboard on top of several PSPs, acquirers and alternative payment methods. Instead of hard-coding each provider, the merchant or PSP sends every transaction to the orchestrator, which decides where to route it, retries soft declines on another acquirer and normalises reporting. It is the usual next step once a business processes through more than two or three providers.
Core features to expect
- Smart routing: rules by BIN, card country, currency, amount, vertical or historical approval rate.
- Cascading and retries: automatic re-routing after a decline, with limits to avoid duplicate charges.
- Tokenisation and vault: cards stored once and reusable across providers, which simplifies PSP migration.
- Unified reporting: one view of approval rates, fees and settlements across all connections.
- Checkout layer: hosted payment page or SDK with local payment methods per country.
Orchestration vs aggregator
An aggregator gives you its own contracts and processes the money; an orchestration provider is usually technology only, and you keep your own merchant agreements. Some vendors offer both. Clarify who is the merchant of record, who holds funds and who carries PCI DSS scope.
How to choose
- Number and quality of ready connectors for your GEOs.
- Pricing: per-transaction fee, monthly SaaS fee or volume tiers.
- Uptime SLA and failover if the orchestrator itself is down.
- Data ownership and ease of exporting tokens if you leave.
- Fit with your antifraud and cashier stack.
Using this page
Filter by country — for example orchestration in the UK or in Brazil — and open the Offers tab for published terms. Related hubs: white label processing and card acquiring. Need a connector that is not listed? Post a request.