When payments stop scaling with your business, they start slowing it down.
High processing fees, stalled integrations, and underperforming checkout experiences aren’t just operational annoyances—they’re signs your payment infrastructure is holding back growth.
Enterprise merchants often hit this point when they’re expanding globally, layering on new business models, or simply trying to improve margins. Suddenly, that single-provider setup that once offered convenience now creates friction across every function—finance, product, engineering, and customer experience.
This is where payment orchestration enters the picture.
More than a technical solution, orchestration gives you strategic control. It lets you route transactions, add providers, optimize costs, and adapt quickly—without waiting on someone else’s roadmap. Done right, it doesn’t just simplify payments. It improves performance.
And the results are measurable.
To help quantify that return, we’re launching a new Payment Orchestration ROI Calculator. It’s designed to show you what orchestration could mean for your business—whether that’s more revenue, lower fees, faster expansion, or all of the above.
Why Use Payment Orchestration?
At scale, complexity becomes your biggest cost driver.
Enterprise merchants outgrow the “one-size-fits-all” payment stack when authorization rates, local payment methods, fraud tools, and operational needs become too important to leave in a single provider’s hands.
As Dwayne Gefferie writes, “Merchants discover they’ve outgrown the single-provider model that served them well as a startup.” Instead of relying on someone else’s roadmap, orchestration gives you the keys to design your own payment infrastructure
That means more control, more flexibility—and more financial upside.
Where Payment Orchestration Delivers ROI
1. Intelligent Routing and Retries
Orchestration allows merchants to route each transaction based on merchant’s rules and real-time data—issuer country, card type, past performance, and more—to the provider most likely to approve it. If a payment fails, it can be automatically retried using another provider or method.
ROI impact:
Increase approval rates by 2–4%
Recover revenue lost to false declines
Reduce customer churn and support tickets
“Some merchants see a $4–8 million lift on $200 million in volume from routing alone.” — Dwayne Gefferie
2. Network Tokenization
Network tokens—issued by card networks—replace static card data with dynamic credentials that stay up to date and improve security. They’re especially effective for subscriptions and repeat purchases.
ROI impact:
Reduce failed renewals and involuntary churn
Improve authorization rates
Lower interchange costs on tokenized transactions
3. Account Updater Services
When cards expire or get replaced, orchestration platforms automatically update payment credentials via card network services—eliminating friction from the customer experience.
ROI impact:
Fewer transaction failures
More seamless renewals
Reduced churn, especially for SaaS and subscription businesses
4. Specialized Capabilities That Compound Value
Orchestration isn’t just about routing—it’s about composability. You can integrate best-in-class tools for fraud detection, reconciliation, customer experience, and more—all without custom development or long lead times.
Examples of ROI levers:
Global Expansion: With global payment connectivity, merchants can connect with local acquirers and offer region-specific payment methods like PIX in Brazil or Boleto in Mexico
Fraud Management: Route high-risk traffic through advanced machine learning tools while exempting trusted users
Reporting & Reconciliation: Centralize data across providers to reduce accounting overhead
Dynamic Checkouts: Present the most relevant payment methods and currencies based on the buyer’s location and preferences—boosting conversion and customer satisfaction
“Modern orchestration platforms extend far beyond transaction routing. They’ve evolved into comprehensive payment operating systems.” — Dwayne Gefferie
The Hidden Costs of Staying Locked In
ROI isn’t just about the gains—it’s about avoiding the mounting costs of doing nothing.
Merchants often underestimate:
Data Portability Risks: Proprietary tokens prevent easy migration and lock in customer data
Feature Lag: Waiting on your provider’s roadmap delays go-to-market speed and building out your own direct integrations can take months
Pricing Power Loss: Providers know switching is painful—so rates remain high
Geographic Gaps: Poor local support forces costly workarounds
Orchestration platforms solve these with:
Universal token vaults
Modular fraud and 3DS tools
Flexibility to add or switch providers at anytime
Local payment method access through one integration
What Does Payment Orchestration ROI Look Like?
ROI typically falls into three measurable categories:
1. Revenue Uplift
More approved transactions = more completed sales
Better retry logic and stored card success
Faster rollout of local payment methods to reach new buyers
2. Cost Reduction
Lower processing fees through acquirer competition
Reduced churn from smarter renewals
Less manual reconciliation
3. Time Saved
Faster provider onboarding
Automation replaces hours of ops work
Fewer developer resources spent on payments plumbing
Try the ROI Calculator: See Your Numbers
We’ve built a Payment Orchestration ROI Calculator to help you model these impacts based on your real data.
Plug in your transaction volume, approval rates, fees, and key markets—and get an estimate of the revenue recovery and savings orchestration could unlock.
Whether you're evaluating orchestration for the first time or already testing multiple providers, it will help quantify what’s on the table.
Conclusion: From Bottleneck to Business Driver
Payment orchestration turns complexity into opportunity. It allows you to:
Adapt globally, without waiting on someone else’s roadmap
Unlock hidden revenue and reduce churn
Compose a payments stack that’s built to optimize, not just operate
Run your numbers. Know your ROI. Launch the calculator and start building your orchestration strategy today.