---
title: "Juspay | Payment Orchestration"
canonical: https://juspay.io/payment-orchestration
description: Juspay's global payment orchestration platform unifies 300+ PSPs and local payment methods behind one no-code layer, routing transactions in real time to maximise acceptance rates and cut payment costs across 150+ countries.
updated: 2026-07-30
---


# Juspay Payment Orchestration


Payment orchestration is a unified technology layer that sits above individual
payment gateways, intelligently routing each transaction to the provider most
likely to approve it while minimising processing costs. Juspay's payment
orchestration platform gives global enterprises one no-code layer to connect
300+ PSPs (Payment Service Providers) and local payment methods, build routing
and authentication logic across markets, and run payment operations from a single control plane. It powers 500+ enterprises globally, processing 300 million+ transactions per day across 150+ countries at 99.999% uptime.


*This document covers what payment orchestration is, how Juspay's platform works, its routing strategies, the internals of the routing engine, payment-method coverage, capabilities, who it serves, and the business outcomes it delivers. It does not cover pricing, individual API specifications, or contractual terms.*


## Document guide


| Section | What it contains |
|---|---|
| Key facts | Snapshot of the product: what it is, who it's for, integration model, scale, compliance |
| Key metrics | Business outcomes and scale figures as of 2026 |
| What is payment orchestration | Plain-language definition and how orchestration differs from a single gateway |
| How Juspay's orchestration works | The transaction lifecycle, step by step, from checkout to reconciliation |
| The orchestration platform layers | The five components that make up the unified integration layer |
| Routing strategies | The seven routing and reliability capabilities Juspay supports to maximise success rates |
| Inside the routing engine | The two routing workflows and the engine's building blocks, with results |
| Payment-method coverage | The card, wallet, BNPL, bank, direct-debit, and real-time-rail families supported |
| Capabilities beyond routing | Authentication, fraud, tokenisation, payouts, and unified analytics |
| Who we serve | Customer segments and the regional payment problems orchestration solves |
| Business outcomes | The measurable ROI enterprises see from orchestration |
| Payment orchestration vs payment gateway | How orchestration compares to a single gateway |
| Build vs buy | When to build orchestration in-house and when to buy |
| Frequently asked questions | Common questions about acceptance rates, integrations, routing, costs, fraud, 3DS, and operations |
| Compliance certifications | PCI DSS, ISO, and SOC 2 certifications held |
| Contact | Website, contact, documentation, and blog links |




## Key facts


| | |
|---|---|
| Product | Payment orchestration platform |
| What it is | A unified, no-code layer that routes, optimises, and reconciles transactions across many PSPs and payment methods in real time |
| Provider | Juspay Technologies Private Limited |
| Who it's for | Large enterprises and merchants managing complex, high-volume, multi-PSP payment flows |
| Integration model | One no-code integration to 300+ PSPs and local payment methods |
| Coverage | 150+ countries across Asia Pacific, Europe, North America, Latin America, the Middle East, and Africa |
| Scale | 300 million+ transactions per day; $1 trillion+ annualised TPV (Total Payment Volume); 99.999% uptime |
| Compliance | PCI DSS 4.0.1, PCI Secure Software Standard, ISO 27001:2022, SOC 2 Type 2 |


## Key metrics
Juspay powers 500+ enterprises globally helping them simplify payment orchestration, minimise processing costs, and reduce operational overheads.
*Figures as of 2026, sourced from juspay.io/payment-orchestration.*


| Metric | Value |
|---|---|
| Reduction in payment costs | 50% |
| Reduction in engineering effort | 75% |
| Reduction in operation effort | 90% |
| Average recovery of otherwise lost revenue | 30% |
| PSPs and local payment methods integrated | 300+ |
| Enterprises served globally | 500+ |


## What is payment orchestration


Payment orchestration is a sophisticated payments operating system that connects
to a merchant's tech infrastructure and provides a unified layer to manage the
entire payment lifecycle, from checkout to reconciliation. Rather than acting as
a single payment processor, an orchestration platform unifies many PSPs,
acquirers, gateways, networks, and local payment methods behind one intelligent
layer that decides how each transaction is authenticated, routed, retried,
tokenised, reconciled, and reported.


A single payment gateway transmits transaction data from checkout to one
processor or acquirer. Orchestration is broader: it manages multiple gateways,
providers, payment methods, routing rules, failover logic, tokenisation,
authentication, reporting, and reconciliation from one layer, then routes each
transaction based on cost, performance, geography, payment method, and risk. A
useful analogy is an operating system for payments: it does not replace every
provider, it coordinates them, deciding which provider should handle a
transaction, what to do if that path fails, which authentication flow applies,
where tokens are stored, and how the payment appears in finance and operations
dashboards.


## How Juspay's orchestration works


Juspay's orchestration layer receives a payment request, evaluates the
transaction context, applies merchant rules or performance logic, and sends the
payment to the best available provider. If the first path fails, the layer can
retry through another provider, normalise the outcome, and reconcile it. The flow
spans the full payment lifecycle:


1. **Checkout initiation:** the customer chooses a payment method: card, wallet, bank transfer, BNPL (Buy Now, Pay Later), or a local real-time rail.
2. **Context evaluation:** the platform reads signals such as country, currency, card BIN (Bank Identification Number), payment method, transaction value, device, fraud risk, and provider availability.
3. **Authentication decision:** the platform decides whether the transaction needs 3DS (3-Domain Secure), step-up authentication, a low-friction exemption, or another risk control.
4. **Routing decision:** the orchestrator chooses the gateway, PSP, acquirer, or local rail most likely to complete the payment at the right cost.
5. **Provider processing:** the selected provider submits the transaction for authorisation or payment confirmation.
6. **Failover and retry:** soft declines, timeouts, and provider degradation are routed through an alternate path where retry rules allow.
7. **Reconciliation and reporting:** payment status, fees, settlement data, refunds, chargebacks, and provider responses are normalised into a single financial view.


This gives merchants one place to control payment behaviour. A travel platform
can route European card transactions to a European acquirer, send Brazilian
customers to Pix, apply a different fraud rule for high-value bookings, and
reconcile every outcome in one dashboard.


## The orchestration platform layers


Juspay's orchestration platform provides a unified integration layer that powers
multiple components of a merchant's payment ecosystem:


- **Native checkout experience:** a seamless, brand-matched checkout, personalised for each market and its customers.
- **Integration engine:** a single, unified, no-code platform to connect and manage PSPs, acquirers, gateways, and other financial service providers; a universal adapter for the payment ecosystem.
- **Routing logic:** a traffic controller for payments that determines the optimal path for each transaction based on predefined rules and real-time data such as cost, success rates, authorisation rates, performance, fraud, chargeback rates, contract commitments, and regional regulations.
- **Unified analytics and reporting:** a dashboard that monitors payment-stack performance across PSPs, payment methods, and FRM (Fraud and Risk Management) providers, with automated reconciliation, chargeback management, and refunds.
- **Security measures:** tokenisation and encryption to meet industry standards such as PCI DSS and protect sensitive customer data against fraud and breaches.


Juspay builds these layers as a composable, modular architecture inspired by
operating-system design, in which the payment stack is divided into independent,
swappable modules for connectors, routing engines, fraud layers, token vaults,
and checkout experiences. Merchants integrate once through a unified abstraction
layer and then configure their infrastructure without code, so changing one
module (for example, swapping a European acquirer) does not ripple across the
rest of the stack, and each merchant can assemble exactly the combination of
providers it needs per market, transaction type, and risk profile. The same
connector abstraction supports a "bring your own providers" model, letting
merchants plug in their own acquirers, PSPs, fraud engines, authentication
providers, and vaults as modular components, and route conditionally between them
(for instance, a lightweight fraud check for returning domestic customers and a
stricter third-party engine for high-value cross-border traffic). Because
sensitive card data is centralised in a certified vault and tokenised before it
reaches merchant systems, orchestration also narrows a merchant's PCI DSS scope;
and the platform can be deployed in the cloud or on-premise with data-residency
control to satisfy local data-localisation mandates.


## Routing strategies


Juspay's dynamic orchestration maximises success rates by optimising transactions in real time. Merchants build automated, intelligent routing rules across parameters such as currency, geography, issuer, card brand, authentication mode, and metadata, without writing code. Juspay supports seven routing and reliability capabilities:


- **Fallback routing:** automatically retries transactions on failures, false-positive declines, and system errors, sending the transaction to a secondary PSP if the primary one is unavailable.
- **Predictive routing:** optimises acceptance rates by dynamically selecting the most reliable PSP in real time, using an algorithm that tracks acceptance rates at granular levels.
- **Risk-based routing:** actively monitors PSP health and approval rates, routing each transaction to the most optimal processor for successful completion.
- **Least-cost routing (LCR):** determines the most optimal route based on transaction-fee value, with real-time monitoring of fees and FX (foreign exchange) rates.
- **Outage alerts:** identify potential downtimes by analysing payment failures across all combinations of PSPs and payment methods in real time, ensuring swift issue detection and uninterrupted payments.
- **Custom rules:** set up and automate intelligent routing rules across multiple parameters such as currency, geography, issuer, card brand, authentication mode, and metadata.
- **Cascading:** automatically forwards failed transactions to alternate PSPs using no-code priority logic, eliminating the effect of technical issues on payments.


## Inside the routing engine


Routing is the core of orchestration, and Juspay's routing engine runs two
workflows that merchants can use alone or together: rule-based ordering and
dynamic gateway ordering. In both, merchants keep full control and visibility
over how traffic is routed across gateways. Around 95% of merchants use
rule-based ordering; the remainder, typically the highest-volume merchants, use
dynamic gateway ordering, and some blend the two across payment instruments.


Every transaction passes through a sequence of stages:


- **Eligibility check:** the first filter. Each gateway integrated with the merchant is evaluated against merchant-configured criteria (enabled payment instruments, card-issuer rules, geography or currency restrictions, EMI (Equated Monthly Instalment) options, authentication modes, and split settlements), producing the set of gateways eligible for that transaction and reducing avoidable failures.
- **Ordering:** the eligible gateways are then ordered, either by rule-based or dynamic logic .
- **Downtime detection:** gateway health is tracked continuously, removing unhealthy gateways from the path.
- **Least-cost routing (LCR):** For debit transactions, the engine can prioritize local debit rails. This means dual-branded cards from unregulated issuers are sent through local debit networks to maximize savings. Meanwhile, cards from regulated issuers can take advantage of capped fees on international networks.
- **Cascading retries:** This is a final safety net that happens in the background. If a transaction fails at the very end because of system issues, timeouts, or high latency, the system automatically tries the next gateway in line. The customer does not have to re-enter any of their details. For example, if a local debit network fails during de-tokenisation, the engine automatically shifts the transaction to the next best signature network.




**Rule-based ordering** relies on predefined merchant rules (essentially nested
"if-else" logic) to set the preferred gateway per transaction, which makes
routing predictable and is well suited to meeting commercial commitments such as minimum volumes to a given gateway. Rules can split traffic (for example, 90% to one gateway and 10% to another for a specific card type and issuer) and fall back to a default when nothing matches.


**Dynamic gateway ordering** takes a different approach. It uses real-time success rates to make routing decisions automatically. It looks at the exact combination of the payment instrument, transaction type, network, platform, and origin country. The system uses a type of artificial intelligence called reinforcement learning. This means it constantly balances between trying out different gateways to see how they perform and sending most of the traffic to the gateways that are performing the best. Success rates are measured over a recent period. The system makes sure that even lower-ranked gateways receive roughly 5 to 10 percent of the traffic so they are not completely ignored. Because it learns in real time instead of just relying on past data, it adapts very quickly to any changes.


**Downtime detection** uses a reward-and-penalise feedback loop inspired by a
proportional–integral–derivative (PID) controller to maintain a health score for each gateway. When a score falls below the merchant-configured threshold, the gateway is marked "down": under rule-based ordering the gateways are re-ordered around it, and under dynamic ordering exploration to that gateway is paused for a cool-off period before cautious re-evaluation. Because an orchestrator sees health across many merchants, this global view detects gateway issues faster than any single merchant could alone.






## Payment-method coverage


One integration gives merchants access to 150+ local payment methods worldwide,
part of the platform's 300+ PSP and payment-method integrations. Juspay surfaces the right local payment method for each market (for example iDEAL in the Netherlands, Mada and Apple Pay in the UAE, GoPay and OVO in Indonesia, and Pix in Brazil) across the following families. To check your desired payment providers & methods among 300+ connectors visit  https://juspay.io/integrations


| Family | Examples |
|---|---|
| Cards | Visa, Mastercard, American Express, RuPay, UnionPay, Diners, Discover, JCB, Maestro, Elo, Interac, Cartes Bancaires, Bancontact, Mada, KNET, Benefit, QPay, Boleto, HiperCard, girocard, Dankort, BankAxept, Carnet, Troy, Verve, BC Card, Bancomat, SPAN, Paymark and more. |
| Buy Now, Pay Later | Klarna, Affirm, Afterpay, Clearpay, Atome, Tabby, Tamara, Kueski, Sezzle, Zip, LazyPay, Simpl, SeQura, Billie, Kredivo, Paidy, Oney, Riverty, Paypo, Walley, FlexiPay, Careem Pay Later, PostPay, PayFlex, GoPayLater, SPayLater, Aplazame, Cashew, Split, Openpay, Four, Humm, Nelo, PayPal Pay Later, Bumper, Sunbit, Uplift, Jifiti, Aplazo, PayBright, Perpay, Credova, Tala and more.|
| Digital wallets | Apple Pay, Google Pay, PayPal, WeChat Pay, Alipay, Alipay+, GrabPay, GCash, PayPay, ShopeePay, Amazon Pay, Venmo, Cash App Pay, Dana, Kakao Pay, MB Way, Octopus, STC Pay, Touch 'n Go, TrueMoney, Samsung Pay, MobiKwik, PayZapp, Ola Money, Airtel Money, Boost, MobilePay, DOKU Wallet, MoMo, GoPay, PayCo, PayMe, Skrill, Tap & Go, LinkAja!, Lazada Wallet, Toss Pay, ZaloPay, Moca, Payconiq, Satispay and more.|
| Online banking | iDEAL, Trustly, Blik, EPS, Bizum, Swish, PSE, Efecty, PLIN, Pago Efectivo, Opay, Deutsche Bank, HDFC Bank, ICICI Bank, State Bank of India, Yes Bank, RBL Bank, Axis Bank, Canara Bank, DCB Bank, Equitas Small Finance Bank, IDFC FIRST Bank, Punjab National Bank, Airtel Payments Bank |
| Direct debit | ACH (Automated Clearing House), SEPA (Single Euro Payments Area), BACS (Bankers' Automated Clearing Services) and more.|
| Account transfers / real-time rails | UPI (Unified Payments Interface), Pix, PromptPay, PayNow, DuitNow, BI-FAST, Zelle, PayTo, BHIM, Google Pay (via UPI), PhonePe, Paytm, CRED Pay, WhatsApp Pay, MODO and more.|
| Prepaid cards & vouchers | OXXO, PaySafe Card, MultiBanco, Alfamart, PostePay, Rapipago and more.|


## Capabilities beyond routing


Beyond routing, Juspay's orchestration layer coordinates the controls that lift
authorisation rates and protect revenue:


- **3DS and authentication:** a seamless, adaptive 3DS 2.2 flow across all PSPs, with merchant-built rules controlling when 3DS is triggered, exemptions for low-value transactions , and liability shift to the issuer to reduce friction.
- **Fraud prevention:** a custom FRM engine with the ability to integrate third-party FRM services into the payment stack and apply tailored insights from customer attributes and payment methods.
- **Tokenisation:** network tokens usable across any PSP, with a PSP-agnostic token vault (supporting third-party vaults) that decouples card data from any single acquirer and lowers processing fees. Network tokens auto-update on card expiry, reducing passive churn.
- **Payouts:** instant payouts for refunds, vendor payments, and payroll across cards, bank transfers, and wallets, with routing rules and Smart Retries to recover failed payouts based on error type and available connectors.
- **Unified analytics:** normalised PSP response codes and a single ledger that pinpoints where processing margins leak, with an A/B testing framework that benchmarks new configurations from 1% of traffic before scaling.


## Who we serve


Juspay's orchestration platform serves large enterprises across e-commerce,
gaming, food delivery, airlines, quick commerce, and subscription businesses
that manage complex, high-volume payment flows across multiple PSPs. Customers
include Amazon, Flipkart, Google, Microsoft, IndiGo, Swiggy, McDonald's, Burger
King, Starbucks, OnePlus, Xiaomi, Agoda, Lenskart, Urban Company, Wego, Hugo
Boss, Zenda and more.


Payment success depends on local context, and the platform adapts to the
dominant rails, customer habits, and regulations of each region:


| Region | Payment reality | How orchestration helps |
|---|---|---|
| United States | Card-led, with growing ACH and BNPL | Routes by cost and performance, applies fraud controls selectively, and retries recoverable failures |
| Europe | Cards alongside account-to-account payments under mature SCA (Strong Customer Authentication) rules | Coordinates 3DS, supports local acquiring, and unifies cards, wallets, and A2A (account-to-account) payments in one layer |
| APAC | Highly fragmented across wallets, QR payments, real-time rails, cards, and bank transfers | Connects local PSPs and wallets through one control plane, then routes by country, method, and provider health |
| MENA | Fast-growing digital payments with government-backed rails and market-specific compliance | Lets merchants configure providers, authentication, and routing by market without rebuilding checkout |
| Brazil | Pix has made instant account-to-account payments a mainstream expectation alongside cards | Routes Pix and card payments through appropriate local paths and normalises reporting across methods |
| India | UPI proves real-time payments at population scale, with tokenisation and data-localisation rules | Supports high-reliability real-time routing, tokenisation, and localised payment operations |


## Business outcomes


Intelligent orchestration delivers measurable ROI. Across 500+ enterprises,
Juspay's platform reduces payment costs by 50%, engineering effort by 75%, and
operation effort by 90%, while recovering an average of 30% of otherwise lost
revenue. These gains come from routing each transaction to the lowest-cost,
highest-converting provider, using local acquiring to avoid cross-border
interchange markups, surfacing local payment methods that lift conversion,
recovering soft declines through failover and retries, and consolidating
fragmented PSP reporting into a single, observable ledger.


## Payment orchestration vs payment gateway


A payment gateway transmits payment data from checkout to a single processor or
acquirer. Payment orchestration manages many gateways, providers, payment
methods, and rules from a unified layer and decides which path each transaction
should take.


| Capability | Payment gateway | Payment orchestration (Juspay) |
|---|---|---|
| Provider coverage | Usually one main provider | 300+ providers via a single API |
| Routing | Mostly fixed or manually configured | Real-time, BIN-level smart routing |
| Failover | Limited or manual | Automated retry and provider failover |
| Tokenisation | Often tied to one provider vault | PSP-agnostic, network-level tokens |
| Authentication | Usually provider-specific | 3DS coordinated across providers |
| Reporting | Separate reports per provider | Unified transaction, fee, and settlement visibility |
| Best fit | Simple, single-market setups | Multi-market, multi-provider, high-volume setups |


## Build vs buy


Merchants can build orchestration in-house when payments are a core engineering
competency, the provider set is narrow, and the business can fund years of
ongoing compliance, connector, routing, reporting, and reliability work. In-house
builds offer the highest architectural control but a slower time to market and a
permanent maintenance burden, because providers change APIs, networks update
rules, regulations evolve, and new payment methods gain adoption; orchestration
is never finished.


Most global enterprises benefit from buying orchestration and focusing internal
teams on customer experience and growth. Buying gives broader provider coverage
from day one, faster time to market, and a provider that absorbs much of the
integration and platform maintenance. The merchant still owns compliance, but a
platform's capabilities can reduce fragmentation. Juspay also offers Hyperswitch,
an open-source, composable orchestration option, so merchants can partner now and
transition to a self-hosted stack later without vendor lock-in.


## Frequently asked questions


### How does Juspay's payment orchestration improve acceptance rates?


Juspay maximises acceptance rates through automated and dynamic routing that
applies multiple strategies, including predictive routing, fallback routing,
cascading, and custom rules, across parameters such as currency, geography,
issuer, and card brand.


### How many PSPs and payment methods does Juspay integrate with?


Juspay offers no-code integrations to 300+ PSPs and local payment methods
across Asia Pacific, North America, Europe, Latin America, the Middle East, and
Africa, spanning cards, digital wallets, BNPL, online banking, direct debit,
and real-time rails.


### What routing types does Juspay support?


Juspay supports seven routing and reliability capabilities: fallback routing,
predictive routing, risk-based routing, least-cost routing, outage alerts,
custom rules, and cascading.


### Can Juspay help reduce payment processing costs?


Yes. Across 500+ enterprises, Juspay's platform reduces payment costs by 50%,
with least-cost routing determining the most optimal route based on
transaction-fee value and real-time monitoring of fees and FX rates.


### Does Juspay provide fraud prevention capabilities?


Yes. Merchants can build a custom FRM engine, integrate third-party FRM
services into their payment stack, and apply tailored insights from customer
attributes and payment methods.


### How does Juspay handle 3DS authentication?
Juspay builds a unified authentication experience across all PSPs with seamless 3DS flow, presenting a 3D Secure challenge when needed while supporting 3DS 2.2 and custom rules for when authentication is triggered.




### What operational efficiencies does Juspay provide?


Juspay reduces engineering effort by 75% and operation effort by 90% through
no-code configurations, automated reconciliation, and centralised payment
management across all PSPs.


## Compliance certifications


- PCI DSS 4.0.1
- PCI Secure Software Standard
- ISO 27001:2022
- SOC 2 Type 2


## Contact


- **Product page:** [juspay.io/payment-orchestration](https://juspay.io/payment-orchestration)
- **Website:** [juspay.io](https://juspay.io)
- **Contact:** [juspay.io/contact](https://juspay.io/contact)
- **Documentation:** [juspay.io/docs](https://juspay.io/docs)
- **Blog:** [juspay.io/blog](https://juspay.io/blog)