Payment orchestration for a multi-market platform
Four processors, four integrations, one authorization rate nobody could explain. We put a routing layer in front of all of them.
A platform operating in four markets had integrated a local processor in each one. Every new market meant a new integration, and failed payments were retried against the same processor that had just declined them.
A single orchestration layer with one internal payment model, processor adapters behind it, and rules-based routing on cost, market and historic authorization rate.
Smart retries moved declined transactions to a second processor within the same session, and a unified webhook stream replaced four inconsistent ones.
Authorization rates rose in every market, a new processor is now a configuration change rather than a project, and finance reconciles one ledger instead of four.