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Payment orchestration

Payment orchestration platform for PSPs, acquirers and marketplaces

Connect one merchant base to every acquirer, PSP and payment method you use. Coriunder routes each transaction on 50+ data points, cascades declines to the next eligible MID, and carries the payment through risk, settlement and reconciliation, under your brand.

Schedule a demo See acquiring

Some of the acquirers and providers you can route across

Nuvei
Finaro
Silverflow
Checkout.com
Stripe
Yapily
Paysafe
Rapyd

One integration. Every provider.

The numbers behind Coriunder orchestration.

500+

Integrations

700+

Payment methods

50+

Routing data points

3 days

To go live

What a payment orchestration platform does

Most orchestration stops at the routing decision. Coriunder orchestrates the whole payment business around it.

1Your merchant integrates onceOne API · one hosted page
api.yourbrand.com/v2/paymentsLive
2Coriunder holds every connectionEnabled for Acme
Acquirer ACards · EU
Acquirer BCards · EU
Acquirer CCards · global
Open bankingEU · UK
E-walletsAPMs
Local methodsLATAM
CryptoOff
+ AddConfig only
3Add a provider without a release
Acquirer D connected
Credentials saved · added to Acme rule set
No deploy

One integration, every provider

Your merchants integrate once. Behind that single connection Coriunder holds every acquirer, PSP and alternative payment method you enable, so adding or dropping a provider is a configuration change, not a development project.

See the integrations
1A rule reads the transactionAcme · EUR rule set
BIN country = DECurrency = EURAmount < €500Card = Visa3DS2
Route to
Acquirer B · then A · then C
2Test before you enforceShadow mode
Rule set v4Live · 100% trafficApproval 93.8%
Rule set v5Shadow · logged onlyApproval 95.1%
3Promote with one click
v5 is live
Applies from the next transaction
Live

Smart routing on 50+ data points

Routing reads the transaction before it picks a terminal: BIN, card country, shopper country, currency, amount, method, merchant and distribution ratio. Rules are set per merchant, MID, terminal or BIN range, and changes apply on the next transaction.

How smart routing works
1A payment is declined€249.00 · Visa · DE
AAcquirer A · MID 4410Do not honourSoft decline
BAcquirer B · MID 7721Cascade step 1Approved
CAcquirer C · MID 1083Cascade step 2Not needed
2Hard declines are never retried
!
Stolen card · 43
Blocked from cascade · flagged to risk
Stopped
3Every retry explains itself
Rule fired
EU cards < €500 · cascade A → B → C

MID cascading and decline logic

When an acquirer declines, the payment retries on the next eligible MID instead of being lost. Soft declines retry on another acquirer; hard declines move to a different network or method. Every retry is logged with the rule that fired.

A guide to MID cascading
1Cost per acquirer, before processingEU consumer debit · €120
Estimated costIC++ · per transaction
Acquirer BInterchange 0.2% + scheme + 0.35%€0.71
Acquirer ABlended 1.1%€1.32
Acquirer CBlended 1.4%€1.68
2Cheapest acquirer that can approve
Routed to the lowest-cost eligible MID
68%
of EU debit volume this month

Interchange-aware, cost-based routing

Send each transaction profile to the cheapest acquirer that can approve it. Because routing is interchange-aware, you can predict the cost of a payment before it processes and settle merchants on Interchange++ or blended pricing from the same data.

Settlement management
1One merchant, one recordLumen GmbH
OnboardedKYB passed · score 84Done
Routed2 MIDs · cascade A → BLive
Risk14 rules · 0 alertsClear
SettledWeekly · reserve 10%Wired
Reconciled3 provider files matched100%
2Opayrations, not spreadsheets
Statement sent to Lumen GmbH
Every fee explained on one PDF
PDF

Orchestration beyond the routing decision

Coriunder was built by payment operators, so the same platform onboards the merchant, scores risk, settles fees and reserves, reconciles provider files and pays out. We call it Opayrations: operating your payment business.

About Opayrations
1Your brand on every surface
AdminConsole
ReportsAnalytics
MerchantsPortal
PartnersPortal
DevcenterDocs
Web servicesAPI
Hosted pagesCashier
WalletFront end
2Card data stays in our scope
PCI DSS Level 1
Captured, tokenised and vaulted by Coriunder
Certified

Under your own brand

Run orchestration as your own product across eight branded interfaces: admin, reports, merchant portal, partner portal, developer centre, web services, hosted payment pages and the wallet. Card data stays inside our PCI DSS Level 1 scope.

The eight interfaces
How it works

How Coriunder orchestrates a transaction

1

Receive and evaluate

The payment arrives with its data points and is checked against your rules in priority order, with AND/OR logic across 50+ fields. The decision is made inline, so routing adds no wait for the customer.

2

Route and cascade

The payment goes to the chosen acquirer or method. On a decline it cascades to the next eligible MID until it is approved or the options run out.

3

Settle and report

Fees, reserves and statements are calculated on the same record, provider files are reconciled against it, and every transaction keeps the rule that routed it.

Compare

Payment orchestration vs payment gateway vs PSP

Payment gatewayPSPCoriunder orchestration
Main jobPasses card data securely to a processorContracts merchants and processes their paymentsConnects many providers and decides where each payment goes
ProvidersOne or a fewIts own acquiring relationships500+ integrations, added by configuration
Routing and cascadingBasic or noneInternal to the PSPRules per merchant, MID, BIN and country, with cascading
Onboarding, settlement, payoutsNot includedThe PSP's own toolsIncluded, on the same platform
BrandThe gateway'sThe PSP'sYours, across eight interfaces

More in PSP vs acquirer vs orchestrator: who does what in the new stack.

Frequently asked questions

  • What is a payment orchestration platform?

    A payment orchestration platform connects a merchant base to many acquirers, PSPs and payment methods through one integration and decides, per transaction, which provider processes each payment. It adds smart routing, cascading on decline and a single view of all providers.

  • How does smart routing increase approval rates?

    Smart routing sends each payment to the acquirer most likely to approve it, based on data such as BIN, card country, currency, amount and method. When a payment is declined, cascading retries it on the next eligible MID instead of losing the sale.

  • How many acquirers can Coriunder route across?

    As many as you have configured. Coriunder offers 500+ integrations and 700+ payment methods, and adding a provider is a configuration change rather than a development project.

  • Can each merchant have its own routing rules?

    Yes. Routing rules are set per merchant and can be overridden at the MID, terminal or BIN-range level, with explicit priorities so overlapping rules always resolve the same way.

  • Is Coriunder white-label?

    Yes. Coriunder runs under your brand and domain across eight interfaces, including the merchant portal, partner portal, hosted payment pages and developer centre.

  • How long does it take to go live?

    Typically 3 days, depending on the providers you connect and the configuration your merchants need.

Still have a question?

Ready to orchestrate your payments on Coriunder?

Tell us your acquirers, payment methods and merchant mix, and we will show the routing on your own traffic profile.

See pricing Talk to our team