Routing
Payment orchestration
A platform layer that lets a merchant connect to multiple acquirers, APMs, and risk tools through one integration and route transactions intelligently.
Orchestration moves the routing and integration logic out of the merchant's codebase and into a vendor that maintains the connectors. Benefits include acquirer redundancy, smart routing for cost and approval, easier APM rollout, and consolidated reporting. The orchestrator does not usually settle funds, settlement stays with the underlying acquirer.
Related terms
Algorithmic selection of an acquirer or MID per transaction to maximise approval rate, minimise cost, or both.
A vendor that provides payment-acceptance technology, gateway, vaulting, reporting, sometimes acquiring, under one contract.
The licensed bank or financial institution that holds the merchant's MID and settles card transactions on the merchant's behalf.
Any non-card payment method, wallets, bank transfers, BNPL, vouchers, accepted at checkout.
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