Higher approval rates
Each payment is scored and sent to the route most likely to clear. More good payments get through. Less revenue leaks at checkout.
Payment orchestration, explained
Send one payment.
We find the route that gets it approved.
Payment orchestration is the layer between your checkout and your banks. It scores each transaction. Then it picks the acquirer most likely to approve it. If that bank says no, it cascades to the next one in-flight. You integrate once and reach hundreds of acquirers across the EU — with no gateway lock-in and your PSP deals intact.
Payment orchestration at a glance
- 1 API
- One integration reaches every acquirer you connect.
- 300+ connectors
- Acquirers, PSPs and local payment methods, ready to route.
- 40+ EU markets
- Local cards and APMs cleared through one orchestration layer.
- 0 lock-in
- You keep your own PSP contracts and pricing. We add routing.
What changes
From a fragile stack to one calm layer
Most teams stitch acquirers together by hand. It works, until a market grows or a bank declines. Orchestration replaces that work with one policy you control.
- Without
One acquirer per market, each integrated by hand.
With topropayOne API in front of every acquirer, integrated once.
- Without
A soft decline ends the sale. Revenue quietly leaks.
With topropayA soft decline cascades to the next bank, mid-request.
- Without
Routing rules are buried in months of engineering work.
With topropayRouting is policy you edit live, with no code release.
- Without
Each bank sends its own reports in its own format.
With topropayEvery settlement lands in one normalised ledger.
Why merchants adopt it
Six things orchestration does for you
High-volume merchants pick orchestration to win back lost sales and cut stack complexity. Here is what that looks like in practice. The orchestration layer sits above every connected payment provider and acquiring bank, surfacing the same payment processing process inside a unified merchant portal.
Declines, recovered
A soft decline is not the end. The engine retries against the next ranked acquirer in the same request. Your checkout sees one clean result.
One stack, not ten
Replace a tangle of direct PSP integrations with a single API. Add a new acquirer or market without shipping new code each time.
Routing you own
Rules are declarative. Shift volume by cost, currency or approval rate in minutes. No vendor ticket. No redeploy. No gateway lock-in.
PSD2 and PCI, built in
Cards are tokenised in a PCI DSS Level 2 vault. SCA and 3DS2 run per payment. Raw card data never touches your servers.
One ledger, every bank
Settlements, fees and chargebacks from each acquirer reconcile in one place. Exports flow straight to your ERP or warehouse.
Common questions
The questions buyers ask first
What is payment orchestration?
It is a layer that sits between your checkout and your acquirers. It decides where each payment should go. Then it routes, retries and reconciles it for you.
Is this a payment gateway?
No. topropay is a pure orchestration layer. You keep your own acquirer and PSP deals. We add smart routing on top — there is no white-label gateway and no lock-in.
Will it disrupt our current setup?
No rebuild is needed. You integrate our API once and point your existing acquirers at it. Your PSP pricing and contracts stay exactly as they are.
Talk to our payments engineers
Model the approval-rate uplift on your own traffic.
Book a discovery call. We map your current acquirers, score where payments leak today, and scope a single-API rollout across your EU markets. No PSP renegotiation. No stack rebuild.
Related
Where orchestration touches the rest of the stack
- Aggregation Payment aggregator overview The aggregation pattern that the orchestration layer rides on — many connections in, one settlement out.
- Processors Payment processors, orchestrated One API in front of every connected processor — routing, cascading and a single reconciliation feed.
- Regional India payment gateways and global rails Indian connectivity via licensed partners, unified with US, EU, UK, AU and LATAM in one orchestration layer.
- Entity Acquirer overview The acquirer entities the orchestration layer routes across — scheme programmes, BINs and acquirer IDs.
- Acceptance Accept online payment, MID optional The merchant-facing view of orchestration: one integration, every method, sub-merchant or direct MID.
- Crypto Crypto payments orchestration Crypto rails inside the same orchestration layer as cards and bank rails.
- Solutions Payments solutions: orchestration and rails Orchestration, hundreds of methods, embedded flows and bank rails unified into one integration for merchants and PSPs.
- Taxonomy Types of e payment system The six core payment-system categories the orchestration layer routes across — card, bank rail, wallet, BNPL, crypto, recurring.