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What is payment orchestration? One layer to manage many payment providers

By SendPay Business · · 2 min read

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Payment orchestration is software that sits between a business and several payment providers. Instead of connecting to each processor separately, the business connects once, and the orchestration layer decides where each payment goes.

What it does

  • Routes each payment to the provider most likely to approve it, or the cheapest.
  • Retries a failed payment through a different provider.
  • Keeps payments running if one provider has an outage.
  • Shows all payment data in one place.
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Orchestration vs a payment gateway

A payment gateway connects a checkout to one processor. An orchestration layer connects to many gateways and processors and chooses between them. It adds flexibility but also another system to manage.

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Who needs it

Orchestration mostly pays off for large merchants selling in many countries, where small improvements in approval rates or fees add up to a lot of money. Most small and growing businesses are better served by one reliable setup.

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Where SendPay fits

A SendPay platform comes with payments already connected, powered by licensed partners, so you don't have to choose and connect processors yourself before launching your own branded money app.

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How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

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It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
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  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.

SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

What would a better approval rate be worth?

Work out the extra sales a month and a year from a higher authorisation rate.

Payment authorisation rate calculator →
What is a payment processor?

The company that moves card payments.

Payment processors →
Gateway or merchant account?

How the pieces of card acceptance fit together.

Gateway vs merchant account →
Can I launch my own money app?

Yes, with payments already connected.

See platforms →

Read next

Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.