Payment orchestration for e-commerce and retail

What goes wrong without orchestration

• A card declined by the only acquirer ends the purchase, although a retry at another acquirer, or a bank transfer, would have completed it.
• A merchant entering Brazil, India or Poland without PIX, UPI or BLIK loses the buyers who do not pay by card.
• Refunds, partial captures and chargebacks sit in three provider dashboards, and finance reconciles them by hand.

What orchestration changes

Routing by BIN, country and amount to the acquirer with the best approval rate; cascading of a decline to the next acquirer or a local method; Apple Pay and Google Pay for one-tap payment; refunds and partial captures through the provider that took the payment; limits per terminal; every payment, refund and chargeback journaled for five years with a trace. The merchant’s PSP enables each method from the catalogue; the licensed provider settles the funds.

Methods by market

• Europe and North America: Visa and Mastercard with Apple Pay and Google Pay; BLIK in Poland; iDEAL in the Netherlands, on request.
• Latin America: PIX in Brazil, instant and without chargebacks, next to cards.
• India: UPI, the most used way to pay online, with payouts and refunds on the same rail.
• Indonesia: QRIS, one QR code for every wallet and bank app. Here the platform runs under the licensed client’s registration; the licensed local provider performs the intermediation.