Frequently asked questions
Find quick answers to the most common questions about Paysecure products and payment solutions.
FAQs
Payment orchestration platform
What is Paysecure payment orchestration?
Payment orchestration is the process of centralising and optimising payment operations through a single platform. A payment orchestration platform is more than a connection hub for multiple payment providers. It acts as an intelligent control layer, using data-driven insights to optimise every stage of the payment journey. By combining a rich provider marketplace with advanced transaction intelligence, the platform helps businesses build resilient, high-performing payment flows that maximise approval rates, reduce costs, and enhance the customer experience.
When a customer initiates a payment, the platform can determine the most effective route based on factors such as provider performance, transaction cost, local preferences, and fraud or risk signals. It can also present the most relevant alternative payment methods (APMs) to the user and apply dynamic fraud checks, ensuring that every transaction has the best chance of success.
Integrated modules such as intelligent routing, tokenisation, real-time reporting, and fraud management allow merchants to centralise and control complex payment operations while maintaining full visibility and flexibility. This approach transforms fragmented payment setups into a single, optimised ecosystem, capable of scaling globally and performing reliably under high-volume or complex scenarios.
To see Paysecure’s approach in action, explore our Payment Orchestration page >>
How does a payment orchestration work?
A payment orchestration platform acts as an intelligent layer between a merchant and multiple payment providers, designed not just to connect systems, but to continuously optimise every stage of the payment journey.
When a customer initiates a payment, the platform uses real-time data and performance insights to determine the most effective approach. This may involve selecting the provider most likely to approve the transaction, presenting the most relevant alternative payment methods (APMs) to the user, or applying the most appropriate fraud and risk checks based on the context of the transaction.
If a payment fails, it can be instantly retried or redirected, helping to recover revenue that would otherwise be lost. By combining intelligent routing, dynamic payment workflows, tokenisation, and unified reporting, payment orchestration transforms fragmented payment setups into a single, optimised ecosystem.
The result is higher authorisation rates, reduced friction, and better decision-making across the entire payment flow. To see how this works in practice, explore our Payment Orchestration page >>
The difference between a payment orchestration platform and a gateway?
A payment gateway securely transmits payment information from a merchant to a single PSP or bank. A payment orchestration platform, in contrast, connects a merchant to multiple PSPs, acquirers, and APMs, providing intelligent routing, dynamic retries, centralised reporting, and multi-currency support. In essence, orchestration platforms give merchants full visibility and control across their payment ecosystem, whereas gateways handle transactions with a single provider. Learn more about the difference on our Payment Orchestration vs Gateway blog.
The difference between a payment orchestration platform and payment processing?
Payment processing is the actual movement of funds between a customer and a merchant via a single provider. Payment orchestration sits above this layer outside the flow of funds, connecting multiple processors and adding intelligence, automation, and centralised management. With orchestration, businesses can increase approval rates, reduce cross-border costs, manage fraud risk, and gain actionable insights across all transactions from all payment providers.
Why do merchants utilise Paysecure payment orchestration?
A payment orchestration platform such as Paysecure helps businesses make every transaction count. By combining intelligent routing, automated retries, and real-time performance insights, merchants can increase authorisation rates, recover lost revenue, and reduce operational complexity through a single API integration.
The platform also supports global expansion, offering multi-currency payments and local payment methods to meet the expectations of customers worldwide. Costs are optimised automatically, with each transaction routed through the most cost-effective provider, while built-in tokenisation and compliance with PCI DSS Level 1 and ISO 27001 ensure security and regulatory adherence.
Centralised reporting provides actionable insights, enabling businesses to optimise performance, make informed decisions, and continuously refine the payment journey. For a detailed overview of features and benefits, see our Payment Orchestration page >>
What features should a payment orchestration platform have?
A robust payment orchestration platform should provide the tools businesses need to optimise every transaction.
Traditionally, payment orchestration focused on automating payment flows and routing transactions efficiently between providers. Paysecure is pioneering the future of Payments 3.0, moving beyond simple routing to a fully comprehensive payment management platform that leverages real-time intelligence to optimise performance, maximise authorisation rates, reduce costs, and enhance the customer experience.
At Paysecure, our capabilities are organised around core modules:
Connections & Multi-Acquirer Support – Seamlessly connect to multiple PSPs, acquirers, and alternative payment methods, giving you the flexibility to manage global payments and improve approval rates.
Dynamic Cashier – Customise the checkout experience with a fully flexible, brandable cashier that supports multiple payment methods and local preferences, helping to reduce friction and boost conversions.
Intelligent Routing – Automatically select the most effective provider for each transaction, optimise costs, and enable retries or reroutes in case of failures, ensuring high performance and reliability.
Reporting & Insights – Access real-time, centralised reporting across all transactions, providing actionable insights to optimise performance, monitor trends, and make informed decisions.
Tokenisation & Security – Protect sensitive customer data with secure tokenisation and maintain compliance with PCI DSS Level 1 and ISO 27001, while also leveraging advanced fraud management tools.
Paysecure’s platform includes all of these features and more, delivering a complete orchestration solution that scales globally. For more information, see our Payment Orchestration page >>
The different ways you can integrate with Paysecure
Paysecure provides a comprehensive suite of integration tools designed to get your team up and running quickly while supporting scalable, compliant payment operations. Our APIs offer direct access to advanced payment workflows, smart routing, and the full capabilities of the Paysecure platform, with clear references and examples to guide implementation from day one.
For client-side integration, our Software Development Kits (SDKs) enable fast, tailored experiences across web, iOS, and Android. Prebuilt components simplify connection to our orchestration suite, reducing development time and technical complexity while allowing you to deliver customised user experiences.
Our developer-friendly documentation and guides walk teams step by step from sandbox testing to live production. With practical examples, recommended best practices, and real-world use cases, your developers can integrate confidently and ship faster with fewer questions.
Built with scale and compliance in mind, Paysecure’s orchestration suite supports evolving business requirements while helping to reduce regulatory and PCI compliance burdens. Integration options are designed to work seamlessly with your existing workflows, ensuring a consistent and efficient developer experience as your business grows.
Is it possible to test the Paysecure payment orchestration platform before signing a long-term agreement?
Yes. Paysecure provides both demo and sandbox environments for testing prior to any long-term commitment. Demo accounts showcase platform features with dummy data, while sandbox accounts allow API testing and transaction simulation. Technical walkthroughs and feature demonstrations are available to ensure integration works as expected. See our Connections page for more information.
Who should use a payment orchestration platform?
Payment orchestration is ideal for businesses looking to optimise payment performance, simplify operations, and scale efficiently across markets. It is particularly beneficial for organisations that:
- Operate in multiple countries or regions
- Work with multiple PSPs, acquirers, or payment providers
- Process high transaction volumes
- Offer multiple payment methods
- Want to improve payment acceptance rates
- Need greater visibility and control over their payment ecosystem
- Are looking to reduce payment costs and operational complexity
With Paysecure, businesses can connect to a global network of payment providers through a single integration, helping them optimise payment performance while accelerating growth.
Read more: here
Can payment orchestration increase authorisation rates?
Yes. Payment orchestration acts as an intelligent decision-making layer that continuously analyses transaction data in real time to determine the optimal path for every payment. Rather than relying on static routing rules, it considers factors such as geography, currency, issuer performance, customer behaviour, transaction history, and real-time provider performance to maximise the likelihood of approval.
Paysecure’s AI-powered orchestration platform combines intelligent routing, smart retries, network tokenisation, and automated failover to optimise every transaction, helping businesses increase authorisation rates, recover revenue from failed payments, and continuously improve payment performance.
How does payment orchestration simplify reconciliation?
Paysecure simplifies reconciliation by consolidating payment data from multiple providers into a single platform. Instead of manually comparing reports from different PSPs, acquirers, and payment methods, businesses can access unified transaction data and reporting in one place.
This helps improve operational efficiency, reduce manual effort, and increase the accuracy of financial reporting.
Read more: here
What reporting capabilities does Paysecure provide?
Paysecure provides a powerful intelligence engine that combines centralised reporting, real-time insights, deep, granular analytics, and a suite of live modular dashboards to give businesses complete visibility into their payment performance. From a single platform, users can monitor transaction volumes, approval rates, provider performance, routing outcomes, settlements, payment trends, and other key metrics across their entire payment ecosystem, enabling them to make data-driven decisions, identify optimisation opportunities, and continuously improve payment performance.
Read more: here
What are the benefits of using multiple payment providers?
Working with multiple payment providers can help businesses improve resilience, increase authorisation rates, optimise processing costs, and reduce the risk of service disruption. It also provides greater flexibility when expanding into new markets or supporting local payment preferences.
Paysecure enables businesses to manage multiple providers through a single integration, making it easier to optimise performance without increasing operational complexity.
Read more: here
What happens if my payment provider goes down?
Without payment orchestration, provider outages can result in failed transactions, lost revenue, and a poor customer experience. Paysecure helps mitigate this risk through cascading via intelligent routing and failover capabilities that can automatically redirect transactions to alternative providers when disruptions occur.
This helps maintain payment continuity and minimise the impact of downtime on your business.
Read more: here
How do I choose a payment orchestration platform?
When evaluating a payment orchestration platform, businesses should consider factors such as payment provider coverage, payment method availability, routing and optimisation capabilities, reporting and analytics, security and compliance, scalability, integration requirements, tokenisation support, global market reach, and experience within their industry or vertical.
Paysecure brings these capabilities together in a single platform, enabling businesses to simplify payment operations, optimise performance, and scale globally through one integration. With extensive expertise across complex and highly regulated industries, Paysecure delivers a solution that is built to meet the unique needs of each business.
Read more: here
Payment terminology (glossary)
What is a payment gateway?
A payment gateway is a service that securely transmits payment information from a merchant to a payment processor or bank. It acts as the bridge between a customer’s payment method and the merchant’s account, enabling online transactions. Unlike a payment orchestration platform, a gateway typically connects to a single provider and does not offer intelligent routing, cascading, or centralised reporting. For more comparisons, see our Payment Orchestration vs Gateway blog >>
What is a merchant account?
A merchant account is a type of bank account that allows a business to accept card payments online or in-person. It acts as a holding account for transactions before funds are settled to the business’s main account. Payment orchestration platforms like Paysecure connect merchants to multiple merchant accounts and PSPs to optimise payment performance and reduce complexity.
What is intelligent routing?
Intelligent routing is a core capability of modern payment orchestration, designed to optimise every transaction in real time. Rather than sending payments to a single provider, it uses live and historical data to determine the most effective path for each transaction, maximising approval rates while controlling cost and risk.
At Paysecure, intelligent routing goes beyond static rules and basic logic. It is powered by AI and emerging agentic AI capabilities that continuously analyse transaction performance, issuer behaviour, regional trends, and customer preferences to make dynamic, context-aware decisions. This means the platform can not only select the best PSP or acquirer, but also optimise the entire payment flow, from presenting the most relevant payment methods to applying the right fraud and risk checks at the right time.
If a transaction fails, the platform can automatically retry or reroute it through alternative providers or flows, recovering revenue that would otherwise be lost. Over time, AI-driven optimisation ensures routing strategies continuously evolve, adapting to changes in provider performance, market conditions, and user behaviour without manual intervention.
The result is a more resilient, self-optimising payment ecosystem where every transaction is intelligently orchestrated, improving authorisation rates, reducing unnecessary costs, and delivering a seamless customer experience at scale.
What is tokenisation?
Tokenisation is a security mechanism that replaces sensitive payment data, such as card numbers, with unique digital tokens. These tokens can be safely stored and reused for future transactions without exposing the original data, significantly reducing the risk of fraud and supporting PCI DSS compliance.
At Paysecure, it enables secure, seamless payment experiences across multiple providers and payment methods, allowing merchants to store and reuse credentials, support recurring or one-click payments, and maintain continuity even when routing transactions across different acquirers or regions.
By decoupling sensitive data from the payment flow, tokenisation not only enhances security but also improves flexibility and performance. Combined with Paysecure’s orchestration layer, tokens can be intelligently leveraged to optimise approval rates, streamline customer journeys, and support scalable, cross-border payment strategies.
Read more: here
What is a multi-acquirer strategy?
A multi-acquirer strategy involves connecting a merchant to multiple banks or acquirers for processing transactions. This approach improves approval rates, reduces reliance on a single provider, and optimises cost efficiency. Paysecure’s intelligent routing engine enables merchants to implement a multi-acquirer strategy automatically, ensuring payments are processed through the most effective path every time.
What is payment failover?
Payment failover is a payment optimisation strategy that automatically redirects transactions to an alternative payment provider if the primary provider experiences downtime, technical issues, or service disruptions.
Paysecure’s failover capabilities, also known as cascading, help businesses maintain payment continuity, minimise failed transactions, and protect revenue by ensuring payments can continue to be processed even when a provider becomes unavailable.
Read more: here
What is PCI DSS?
PCI DSS (Payment Card Industry Data Security Standard) is a global security framework designed to protect cardholder data and reduce payment fraud. Any organisation that stores, processes, or transmits cardholder data must comply with PCI DSS requirements.
What is cascading in payments?
Payment cascading is the process of automatically retrying a declined transaction through an alternative payment provider or acquiring route to increase the likelihood of approval.
Cascading is one of several terms used to describe payment resilience strategies. While failover or redundancy refer to the overall strategy of maintaining payment continuity, cascading is the automated action of retrying a transaction through an alternative route to maximise the likelihood of approval.
As part of its payment optimisation capabilities, Paysecure enables businesses to implement cascading strategies that help recover declined transactions, improve acceptance rates, and deliver a smoother customer payment experience while remaining compliant with card scheme requirements.
Read more: here
What is payment reconciliation?
Payment reconciliation is the process of matching transaction data, settlements, refunds, chargebacks, and processing fees across payment providers and financial systems to ensure records are accurate and complete.
For businesses working with multiple providers, reconciliation can quickly become complex. Paysecure helps simplify payment operations by centralising transaction data within a single platform, providing greater visibility across the payment lifecycle. With a full balance report dashboard and comprehensive reporting including settlement, chargeback and deep analytics, businesses can reconcile payments faster and identify discrepancies more easily and gain actionable insights into payment performance.
Read more: here
Security & compliance
How secure is Paysecure?
Paysecure ensures security through a multi-layered approach combining advanced technology, real-time monitoring, and third-party integrations. Fraud detection uses machine learning to analyse user behaviour and payment patterns across the network, while the proprietary Trust Score system provides intelligent routing based on risk assessment. Data is encrypted in transit and at rest, multi-factor authentication is enforced, and tokenisation supports Visa and Mastercard network tokens. For security certifications, see our Certifications page.
Is Paysecure PCI DSS Level 1 compliant?
Yes. Paysecure is PCI DSS Level 1 compliant, ISO 27001 certified, and accredited by the ICO for GDPR compliance. These certifications ensure that the platform meets the highest standards for data security, information management, and privacy protection across all transactions. See our Accreditations page for more information.
How does Paysecure ensure regulatory adherence and security in the payment industry?
For businesses operating globally, payment security is more than a technical requirement — it underpins customer trust, protects revenue, and ensures operational continuity. Paysecure’s platform is designed to meet these demands with multi-region, multi-cloud architecture that delivers high resilience, low latency, and the ability to handle over 5,000 transactions per second without downtime.
Built to be platform-agnostic, Paysecure seamlessly connects to any payment method, processor, or solution provider, allowing merchants to centralise and optimise payment operations without restriction. Beyond infrastructure, the platform actively protects sensitive data through tokenisation, end-to-end encryption, and multi-factor authentication, while maintaining PCI DSS Level 1 and ISO 27001 certification and ICO accreditation for GDPR compliance.
Security is further enhanced by Paysecure’s AI-driven fraud prevention. Machine learning analyses transaction patterns, user behaviour, and risk signals across the network, while our proprietary Trust Score system enables intelligent, risk-based routing. This not only mitigates fraud exposure but also improves authorisation rates and overall payment performance, giving merchants confidence that every transaction is optimised, secure, and compliant.
Does payment orchestration help reduce fraud?
Yes. Paysecure helps businesses strengthen their fraud prevention strategy by integrating with leading fraud detection tools, risk engines, authentication services, and transaction monitoring solutions. By centralising payment operations through a single platform, businesses can apply consistent risk controls across multiple payment providers while maintaining strong payment performance and approval rates.
In addition, Paysecure’s User Trust Score helps businesses assess customer risk using a combination of behavioural and transaction insights. With real-time alerts for unusual activity, teams can identify potential fraud quickly and take proactive action.
Read more: here
Does Paysecure support 3D Secure authentication?
Yes. Paysecure supports 3D Secure (3DS) authentication to help businesses enhance payment security, reduce fraud, and meet regulatory requirements such as Strong Customer Authentication (SCA). By supporting secure customer authentication across multiple payment providers, Paysecure helps businesses protect revenue while delivering a seamless checkout experience.
Integration
How long does it take to integrate a payment orchestration platform?
Implementation timelines vary depending on the complexity of your payment ecosystem, existing integrations, and business requirements. However, Paysecure simplifies the process by providing a single integration that connects businesses to multiple payment providers, acquirers, and payment methods through one platform.
Depending on the complexity of the implementation and client-side resources, Paysecure can typically go live in as little as two weeks. This reduces development effort, accelerates deployment, and makes it easier to scale your payment infrastructure as your business grows.
Do I need to replace my existing PSPs?
No. Paysecure is designed to complement your existing payment setup rather than replace it. Businesses can continue working with their preferred PSPs, acquirers, gateways, and payment methods while using Paysecure to centralise management, optimise performance, and gain greater visibility across their payment ecosystem.
This gives you the flexibility to add, remove, or switch providers without the complexity of managing multiple direct integrations.
Read more: here
Can I add new payment providers without additional development work?
Yes. Once integrated with Paysecure, businesses can connect to new payment providers and payment methods through the platform without having to build and maintain separate integrations for each provider.
Businesses retain full control of their direct relationships with payment providers, while Paysecure manages the connectivity and provides the flexibility to add new providers as your requirements evolve. Our team can also support you in identifying and onboarding the right providers for your business.
This enables faster expansion into new markets, reduces technical overhead, and gives businesses greater flexibility to optimise payment performance as requirements evolve.
Read more: here
Does Paysecure support multiple payment methods?
Yes. Paysecure provides access to a broad and growing network of global and local payment methods through a single integration, helping businesses deliver the payment experiences customers expect in different markets.
By supporting multiple payment options, businesses can improve customer conversion, increase payment acceptance rates, and support international growth more effectively.
Read more: here
Can payment orchestration support global expansion?
Yes. Paysecure helps businesses expand into new markets by providing access to a global network of payment providers, local payment methods, currencies, and acquiring partners all available from one platform via a single integration.
Rather than building separate integrations for each region, businesses can leverage Paysecure’s payment orchestration capabilities to launch faster, optimise payment performance, and deliver localised payment experiences to customers worldwide.
Read more: here
White label
What is a White Label payment orchestration platform?
A White Label Payment Orchestration Platform enables PSPs, acquirers, fintechs, and payment providers to launch their own branded payment infrastructure without building the technology from scratch. It combines payment orchestration capabilities such as intelligent routing, tokenisation, reporting, and payment provider connectivity into a platform that can be customised and offered under your own brand.
By using a White Label solution, businesses can bring new payment services to market faster while maintaining full ownership of their customer relationships and brand experience.
Read more: here
Why choose a White Label payment solution instead of building one in-house or buying one?
Building a payment orchestration platform in-house can take significant time, investment, and ongoing engineering resources. Buying and integrating multiple third-party solutions may accelerate deployment initially, but often introduces long-term integration complexity and maintenance overhead.
Paysecure’s White Label solution offers a third option: access to a fully featured payment orchestration platform under your own brand. This allows businesses to launch advanced payment capabilities quickly while avoiding the cost, risk, and complexity of building and maintaining the infrastructure yourself. Businesses also benefit from ongoing access to new payment methods, a centralised management hub for all your merchants, and continuous platform innovation that helps future-proof your business and modernise legacy payment technology.
Read more: here
Who can benefit from Paysecure's White Label solution?
Paysecure’s White Label solution is designed for Payment Service Providers (PSPs), acquirers, fintech companies, banks, payment facilitators, and software platforms looking to expand and enhance their payment offering.
The platform enables you to deliver a fully branded payment orchestration solution with intelligent payment optimisation, global provider connectivity, real-time reporting, and merchant management tools. This empowers you to strengthen your value proposition, accelerate growth, increase merchant retention, and create new revenue opportunities, without the time and complexity of developing the technology yourself.
Read more: here
How quickly can I launch a White Label payment orchestration platform?
With Paysecure’s White Label solution, businesses can go live in a matter of weeks rather than months.
Through a single integration, partners gain access to a complete orchestration stack, including smart routing, tokenisation, analytics, and a global network of payment providers. This significantly accelerates time to market, allowing you to focus on growth rather than infrastructure.
Read more: here
Can I offer payment orchestration under my own brand?
Yes. Paysecure’s White Label solution is designed to operate entirely under your brand. You retain ownership of your merchant relationships, contracts, onboarding processes, and commercial terms, while Paysecure provides the underlying payment orchestration technology.
Every merchant touchpoint can be customised to reflect your brand, enabling you to offer enterprise-grade payment capabilities while maintaining full control over the customer experience.
Read more: here
Cashier
What is a Dynamic Cashier?
A Dynamic Cashier is a customisable payment interface that enables merchants to tailor the checkout experience based on factors such as customer location, currency, preferred payment methods, and business requirements. Unlike a static checkout, it provides the flexibility to present the most relevant payment options and create a more localised, user-friendly payment experience.
Paysecure’s Dynamic Cashier enables businesses to build customisable checkout experiences with AI-driven behavioural insights, to create seamless, localised payment journeys that drive higher conversion and customer satisfaction.
Read more: here
How can a dynamic cashier improve checkout conversion rates?
A well-designed payment experience can significantly impact whether customers complete or abandon a transaction. A Dynamic Cashier helps improve conversion by displaying the most relevant payment methods, supporting local preferences, and reducing friction throughout the checkout process.
Paysecure’s Dynamic Cashier uses behavioural insights, customer segmentation, and real-time optimisation to continuously refine the payment experience. Features such as automatic language detection, intelligent amount suggestions, and configurable payment journeys help businesses deliver more relevant checkout experiences that encourage successful transactions and reduce abandonment.
Can I offer local payment methods and currencies in different markets?
Yes. Paysecure’s Dynamic Cashier is designed to support localised payment experiences at a global scale. Through a single integration, businesses can provide customers with local and global payment methods, local currencies, language preferences, and market-specific payment journeys.
This helps improve customer experience, increase payment acceptance rates, and support international expansion without the complexity of managing multiple checkout solutions.
Can I customise the look and feel of my cashier?
Yes. Paysecure’s Dynamic Cashier provides complete control over the checkout experience, allowing businesses to customise colours, logos, buttons, layouts, typography, language settings, and payment flows.
This enables merchants to create fully branded payment experiences that feel like a natural extension of their website or application, helping strengthen customer trust and brand consistency.
Can I track cashier performance and customer behaviour?
Yes. Paysecure provides real-time cashier analytics that allow businesses to monitor payment success rates, customer drop-off points, payment method performance, user behaviour, and checkout trends.
These insights help payment teams identify friction points, optimise customer journeys, and make data-driven decisions that improve conversion and payment performance.
Read more: here
