Analytics that explain
Approval rate, latency and cost broken down by gateway, method and issuer.
RealtimeAlerts
Features
Everything between checkout and settlement
Orchestration is more than a router. OrcoPay handles the full payment lifecycle and gives your operations team somewhere to actually work.
Smart routing
Send every payment where it is most likely to succeed
OrcoPay scores your connected gateways continuously on approval rate, latency and cost, then picks a target per transaction. Rules are explicit and reviewable - no black box deciding where your money goes.
- Route on amount, currency, card network, issuer or method
- Weight by live success rate rather than a static priority list
- Pin specific merchants or corridors to a preferred provider
- Dry-run new rules against historical traffic before enabling
Smart routing
Built for teams that need inspectable decisions - not a black box sitting between checkout and the bank.
Route on amount, currency, card network, issuer or method
Weight by live success rate rather than a static priority list
Retries and failover
A decline on one gateway is not a lost sale
Soft declines, issuer timeouts and provider outages trigger an immediate retry on the next-best gateway. Cascades are bounded and idempotent, so a customer is never charged twice.
- Distinguish soft declines worth retrying from hard declines that aren't
- Cap attempts per transaction and per time window
- Automatic circuit breaking when a provider degrades
- Every attempt recorded with its raw provider response
Retries and failover
Built for teams that need inspectable decisions - not a black box sitting between checkout and the bank.
Distinguish soft declines worth retrying from hard declines that aren't
Cap attempts per transaction and per time window
Reconciliation
One ledger instead of six settlement files
Each provider reports settlements, fees, refunds and chargebacks in its own shape and on its own schedule. OrcoPay normalizes all of it into a single ledger your finance team can close a month against.
- Normalized settlement records across every connected provider
- Fee and tax breakdown per transaction, not just per payout
- Automatic matching of refunds and chargebacks to originals
- Scheduled exports to CSV or your accounting system
Reconciliation
Built for teams that need inspectable decisions - not a black box sitting between checkout and the bank.
Normalized settlement records across every connected provider
Fee and tax breakdown per transaction, not just per payout
Risk controls
Stop bad traffic before it costs you a gateway
Screening runs before an authorization ever leaves OrcoPay, so fraud attempts don't burn your approval rates or trip a provider's risk thresholds.
- Velocity limits per card, customer, device or merchant
- Blocklists and allowlists with an auditable change history
- Per-merchant ceilings on ticket size and daily volume
- Every decision logged with the rule that produced it
Risk controls
Built for teams that need inspectable decisions - not a black box sitting between checkout and the bank.
Velocity limits per card, customer, device or merchant
Blocklists and allowlists with an auditable change history
More of the platform
Built for the people running payments
Beyond routing - the analytics, events and consoles your support, finance and risk teams use every day.
One webhook contract
Normalized events, signed deliveries, retries and full replay from the console.
HMACReplay
Merchant lifecycle
Onboarding, KYC state, commercials and restrictions for every merchant on your platform.
Ops
Role-aware consoles
Support, finance and risk each get the views they need without filing an engineering ticket.
RBAC
How teams go live
Four steps from stack to settlement
Keep your existing providers. OrcoPay becomes the control plane above them.
Connect providers
Link existing PSPs or onboard new ones with our help on paperwork and go-live.
Configure rules
Set routing, failover and risk policies in a readable rule language your team owns.
Go live
Point checkout at OrcoPay. Watch cascades recover approvals in real time.
Operate daily
Reconcile, refund and investigate from one ledger and one operations console.
Get started today
Ready to route your first payment?
Connect a gateway, define a rule, and go live. No rip-and-replace - just a smarter layer on the stack you already have.
- Easy onboarding
- Dedicated support
- API access