# Orchestration
Source: https://www.payrails.com/orchestration
Last updated: 2026-11-09

> Payment orchestration software to control how payments move across providers, markets, and issuers. Route dynamically and recover failed payments with AI.

## Take control of your payment performance

Orchestrate payments across providers, markets, and issuers. Payrails helps businesses dynamically route transactions and intelligently recover failed attempts with AI-powered workflows.

[Book a demo](https://www.payrails.com/contact)

Customers: Puma, Vinted, Flix, Preply, inDrive, HelloFresh, DeepL, Just Eat Takeaway, Majid Al Futtaim, Careem, Eneba, Apaleo, Blacklane, Teknasyon.

## Lower costs and improve performance with smooth payment orchestration

Payment performance depends on thousands of small decisions: who processes the transaction, when a failed payment is retried, how to react when providers degrade. Payrails puts your team in control through configurable workflows, real-time signals, and intelligent automation.

### Dynamic routing via real signals

Route payments with attributes like BIN, issuing country, issuing bank, card scheme, or card type. Merchant-configured rules incorporate signals like fraud scores, transaction values, or custom metadata to control how payments are routed across providers.

Teams can run A/B tests between PSPs using routing randomization and workflow versioning.

### Performance-based routing

Payrails routing logic adapts in real time based on provider performance signals, so transactions can automatically shift toward the providers most likely to approve them.

Our ML-powered smart routing module analyzes historical transaction patterns and provider performance to further optimize routing.

### Intelligent retries and decline recovery

Configure retry strategies based on issuer response codes like insufficient funds, soft declines, or technical failures. Define cooldown intervals, issuer-specific retry timing, and retry limits to maximize recovery while protecting authorization rates.

For risk-related declines, Payrails can automatically trigger 3DS on retry, recovering transactions that would otherwise fail.

### Built-in failover and flexibility

Payrails continuously monitors provider health to detect outages or performance degradation. If issues occur, transactions can automatically be rerouted to alternative providers.

The platform supports both active orchestration and fallback architectures, allowing merchants to maintain payment continuity. Teams can also override routing logic for specific cases when external payment strategies require direct provider selection.

## 100+ integrations with Payrails

[All integrations](https://www.payrails.com/integrations)

## The operating system for payments

By providing your team with expanded intelligence, freedom, and control over your financial stack, we help global businesses to maximize revenue, lower costs, and grow at the pace of ambition.

### [Ask anything about your payments. Automate the rest](https://www.payrails.com/ai)

### [Own your payment credentials](https://www.payrails.com/token-vault)

### [Win more disputes with less manual work](https://www.payrails.com/chargebacks)

### [Optimization starts with unified data](https://www.payrails.com/analytics)

### [Save time, reduce mismatches](https://www.payrails.com/reconciliation)

### [Know exactly what you pay to accept payments](https://www.payrails.com/fee-monitoring)

### [Unlock higher authorization rates](https://www.payrails.com/network-tokens)

### [Get paid in seconds anywhere, with a single link](https://www.payrails.com/payment-links)

[Payrails platform](https://www.payrails.com/platform)

## Want to turn payments into profit?

Grow smarter with AI-native payment optimization. Get a walkthrough tailored to your business, markets, and stack.

[Get in touch](https://www.payrails.com/contact)

## Recommended reading

### [What do we mean by smooth orchestration?](https://www.payrails.com/blog/smooth-orchestration)

### [What is payment orchestration?](https://www.payrails.com/blog/what-is-payment-orchestration)

### [What subscription businesses really need from payment orchestration](https://www.payrails.com/blog/what-subscription-businesses-really-need-from-payment-orchestration)

### [3 ideas for reducing payment failures with automatic payment retry](https://www.payrails.com/blog/recover-failed-payments-with-payment-retry)

### [Building intelligent anomaly detection at Payrails](https://www.payrails.com/blog/building-intelligent-anomaly-detection-at-payrails)

### [Payrails brings agnostic Apple and Google Pay flexibility to merchants](https://www.payrails.com/blog/payrails-brings-agnostic-apple-pay-and-google-pay-flexibility-to-merchants)

## Got questions?

### What is payment orchestration?

Payment orchestration is a technology layer that manages how transactions are routed between payment providers. It allows merchants to control routing, retries, and failover logic to improve authorization rates and reduce payment failures.

### How does payment routing work?

Payment routing determines which PSP or acquirer processes a transaction. Routing rules can be based on attributes such as BIN, issuer country, card type, or real-time provider performance.

### What is smart routing in payments?

Smart routing automatically selects the best payment provider for each transaction using real-time data and historical performance. This helps increase authorization rates and reduce processing costs.

### What is payment failover?

Payment failover automatically redirects transactions to an alternative provider when the primary PSP is unavailable or returning errors. This prevents lost revenue during outages or latency spikes.

### What is smart retry logic?

Smart retry logic reattempts failed payments based on issuer response codes and configurable timing strategies. This allows merchants to recover soft declines while avoiding unnecessary retry attempts.

### Can merchants control routing rules?

Yes. Payment orchestration platforms allow merchants to define routing logic based on card data, geography, risk signals, and custom metadata. These rules can be updated without modifying checkout integrations.

### What signals can be used for payment routing?

Common routing signals include BIN data, issuing country, card scheme, card type, fraud score, transaction value, and PSP performance metrics such as approval rates or latency.

### How does orchestration improve authorization rates?

Orchestration improves authorization rates by sending transactions to the providers most likely to approve them, retrying soft declines intelligently, and automatically switching providers when failures occur.
