The problem
Single-processor checkouts fail more than they should: soft declines never retried, outages become outages for you, and switching providers means a rewrite. Every lost authorization is lost revenue.
The system
An orchestration service that presents one payment API to your product and routes behind it: provider selection by method/geo/cost, automatic retry on retryable declines, failover on provider errors, and unified webhooks — with idempotency keys end-to-end so nothing double-charges.
How it's built
- Provider adapters behind one internal payment interface
- Routing table configurable without deploys; retries with jittered backoff
- Idempotency and exactly-once webhook processing
- Reconciliation-ready event log from day one
Delivery
Build engagement, typically 6–10 weeks to production on your first two providers; more adapters added in Run.
What to expect
- Authorization-rate lift from retries and routing (often measured in whole points)
- Provider outages degrade gracefully instead of stopping revenue
- Adding or dropping a PSP becomes configuration, not a project