Orchestration
Take control of your payment performance
Control how payments move across providers, markets, and issuers. Payrails helps businesses dynamically route transactions and intelligently recover failed attempts with AI-powered workflows.
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.
The operating system for profitable growth
Payrails helps businesses use payments as the foundation for more intelligent financial operations.
PSP-agnostic token vault
Store and route tokens across any PSP. Add or switch providers without migrating card data. Support pre-authorizations, incremental charges, and complex cancellation flows out of the box.
Explore the Token VaultCost and performance optimization agent
Translate cryptic settlement line items into plain-language cost categories. Benchmark effective rates across PSPs, payment methods, regions, and entities for hospitality payments.
Explore Fee MonitoringUnified chargeback management
Bring every dispute into one workflow, regardless of PSP. Pull transaction logs and booking data automatically. Track win/loss rates by reason code, issuer, region, and PSP.
Explore ChargebacksDecoupled authentication
Reuse 3DS authentication across multiple authorizations to streamline post-booking upgrades and hotel upsells.
Explore 3DSTurn payments into profits
Grow smarter with AI-enabled payment optimization. Get a walkthrough tailored to your business, markets, and stack.
Recommended reading
Got questions?
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.