Route smarter.
Approve more.
Intelligent payment routing that evaluates dozens of signals per transaction in under 50ms — sending each payment to the acquirer most likely to approve it.
See routing in action+8%
Average approval rate uplift
50ms
Routing decision latency
3–8%
Revenue recovered via fallback
Signals evaluated per transaction
Every routing decision is backed by real data, not guesswork.
Card BIN — issuer, country, scheme, card type
Historical approval rates per acquirer for this BIN
Real-time acquirer health (latency, error rate, last 5 min)
Transaction amount and currency
Customer risk score
Cost differential across available routes
Time of day and geographic origin
Retry history for this customer
Routing modes
Choose the strategy that fits your business — or combine them.
Approval-optimised
Route every transaction to the acquirer with the highest historical approval rate for that BIN + currency pair. Maximise revenue above all.
Cost-optimised
Minimise blended processing cost while maintaining a minimum approval rate threshold. Ideal for high-volume, margin-sensitive merchants.
Custom rules
Build routing rules based on any combination of signals. Route UK Visas to acquirer A, Nigerian Mastercards to B, everything else to C.
Automatic fallback routing
If your primary acquirer declines or times out, Orchestrate automatically retries on the next-best route — often recovering 3–8% of transactions that would otherwise be lost.
Unify your providers.
Scale with confidence.
Join thousands of businesses using Orchestrate to power their payment flows. Get up and running in minutes, not months.