Lifting authorization rates with multi-PSP orchestration
A European payments provider
Re-architecting a single-provider checkout into a resilient orchestration layer that routes across PSPs and recovers failed transactions.
- Payment orchestration
- Smart routing
- Reconciliation
- PCI-aware
The challenge
The client processed every transaction through a single PSP, so any provider degradation translated directly into declined payments and lost revenue. Authorization rates were stalling, retries were naive, and finance had no reliable, real-time view of money movement across the funnel.
Our approach
We started with a two-week discovery: instrumenting the existing checkout, mapping decline reasons by issuer and method, and quantifying the revenue lost to soft declines and provider timeouts.
We introduced an orchestration layer that abstracts PSPs behind a single internal contract, with smart routing that selects a provider per transaction based on method, geography, and live success rates.
We added intelligent retries and fallback routing so a soft decline or a degraded provider is automatically re-attempted on a healthier rail, plus tokenization to keep card data out of the client's environment.
Finally we built double-entry ledgering and automated reconciliation, giving finance an auditable, real-time settlement view and the confidence to onboard new providers without re-platforming.
The results
+38%
authorization rate uplift
4
PSPs behind one contract
-31%
failed-payment revenue loss
Services involved
Payments & Transaction Services
Payment modernization, ISO 20022 migration, real-time rails, and transaction services for financial institutions.
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