Features
The layer between your checkout and your gateways
OrcoPay takes over routing, retrying, reconciling and monitoring so your engineers stop maintaining one integration per provider and your operations team gets a single place to work.
Smart routing
Send every payment where it is most likely to succeed
OrcoPay scores your connected gateways continuously on approval rate, latency and cost, then picks a target per transaction. Rules are explicit and reviewable - no black box deciding where your money goes.
- Route on amount, currency, card network, issuer or method
- Weight by live success rate rather than a static priority list
- Pin specific merchants or corridors to a preferred provider
- Dry-run new rules against historical traffic before enabling
Retries and failover
A decline on one gateway is not a lost sale
Soft declines, issuer timeouts and provider outages trigger an immediate retry on the next-best gateway. Cascades are bounded and idempotent, so a customer is never charged twice.
- Distinguish soft declines worth retrying from hard declines that aren't
- Cap attempts per transaction and per time window
- Automatic circuit breaking when a provider degrades
- Every attempt recorded with its raw provider response
Reconciliation
One ledger instead of six settlement files
Each provider reports settlements, fees, refunds and chargebacks in its own shape and on its own schedule. OrcoPay normalizes all of it into a single ledger your finance team can actually close a month against.
- Normalized settlement records across every connected provider
- Fee and tax breakdown per transaction, not just per payout
- Automatic matching of refunds and chargebacks to originals
- Scheduled exports to CSV or your accounting system
Risk controls
Stop bad traffic before it costs you a gateway
Screening runs before an authorization ever leaves OrcoPay, so fraud attempts don't burn your approval rates or trip a provider's risk thresholds.
- Velocity limits per card, customer, device or merchant
- Blocklists and allowlists with an auditable change history
- Per-merchant ceilings on ticket size and daily volume
- Every decision logged with the rule that produced it
Analytics
See which leg of the cascade is leaking
Aggregate conversion tells you something is wrong. OrcoPay tells you which gateway, which issuer and which method is responsible.
- Approval rate by gateway, method, issuer and geography
- Latency and timeout distributions per provider
- Cost per successful transaction, including retry overhead
- Alerting when a provider drifts outside its baseline
Events
One webhook contract for every provider
Write your handler once. OrcoPay translates each provider's event vocabulary into a single normalized schema and guarantees delivery.
- Consistent event shape regardless of the underlying gateway
- HMAC-signed payloads with timestamped replay protection
- Exponential backoff with a full delivery and response log
- Manual replay for any event from the dashboard
Operations
Built for the people running payments, not just integrating them
Orchestration fails when the only interface is an API. OrcoPay ships a console your support, finance and risk teams can use without filing an engineering ticket.
Merchant lifecycle
Onboarding, KYC state, commercials and restrictions for every merchant on your platform, in one place.
Role-aware consoles
Separate merchant and operations views, so your team sees network health while merchants see only their own traffic.
Gateway health
Live status for every PSP connection, with the success and latency history behind each routing decision.
Audit log
Every rule change, refund and permission grant recorded with actor and timestamp, exportable for compliance.
Access control
Granular team permissions and scoped API keys, with separate credentials for sandbox and production.
Multi-currency
Settle in local currency where your providers support it, with FX and fees surfaced per transaction.
See it against your own traffic
Connect a sandbox gateway and replay a week of transactions to see what routing would have changed.
No setup fees · Sandbox access on signup