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Single-PSP Dependency Is Expensive, Risky, and Limiting Your Growth
You're locked into one payment provider. When they go down, your checkout goes down—costing revenue every minute. Authorization rates vary by region, but you can't route transactions to better-performing PSPs. Expanding to new markets requires local payment methods your current provider doesn't support.
Finance teams struggle to reconcile transactions across the few PSPs you've managed to add. Each provider has different APIs, error codes, and webhook formats. Your engineering team builds custom integrations for every new provider, creating maintenance nightmares.
High-volume businesses need payment orchestration—intelligent routing across multiple PSPs based on performance, cost, and availability. This service builds the infrastructure layer that gives you control, resilience, and flexibility to scale globally without rebuilding your payment stack every time requirements change.
What's Included
Multi-PSP Integration Layer + Smart Routing Engine
Unified interface with intelligent transaction routing:
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Provider support: Card processors (Stripe, Adyen, Checkout.com), APMs (SEPA, ACH, PIX, iDEAL, Giropay), digital wallets (PayPal, Apple Pay, Google Pay)
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Unified API contract: Consistent request/response handling, normalized error taxonomy, centralized webhook orchestration
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Intelligent routing: Performance-based (highest auth rates), cost optimization, automatic failover, geographic routing, load balancing
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Configurable rules: Business teams adjust routing logic without code changes
Monitoring, Observability & Finance Reconciliation
Real-time visibility and streamlined multi-PSP operations:
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Per-PSP metrics: Success rates, latency tracking, error pattern analysis, cost tracking, routing effectiveness
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Alerting framework: Automated notifications for PSP downtime, decline patterns, performance degradation
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Transaction ledger: Unified view across all PSPs, settlement tracking, fee reconciliation
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Multi-currency handling: FX rate application, cross-border reconciliation, finance-friendly reporting
Strategic Enablement & Complete Handover
Technical documentation and scaling roadmap:
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Architecture & APIs: System design diagrams, API specifications, routing configuration guide
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Operational playbooks: Handling PSP outages, investigating failures, adding new providers, testing procedures
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Scaling roadmap session: Regional expansion priorities, additional APM sequencing, performance optimization opportunities
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Implementation patterns: Templates for adding future PSPs independently
Prerequisites (from You)
Access & Credentials
PSP sandbox credentials for all current and planned payment providers
Current transaction data: Volumes by region, payment method, success rates
Strategy session (3-4 hours): Current checkout flows, routing optimization goals (cost vs. performance), regional priorities, reconciliation needs
Development Environment
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Payment codebase access: Existing integrations, API patterns, deployment architecture
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CI/CD pipelines for testing and deployment
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Monitoring tools: Existing observability stack (Datadog, New Relic, Prometheus)
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Staging environments for integration testing before production
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Pricing & Timeline
Investment: Starting from €25,000
Timeline: 6–10 weeks from kickoff to production deployment
Pricing depends on number of PSPs, transaction complexity (subscriptions, split payments, marketplaces), geographic scope, and existing infrastructure state. Timeline assumes timely access to PSP credentials, requirements clarification, and infrastructure for integration.
Words from our partners
Dan White
Co-Founder, Localvore
“
I appreciate Crafting Software because we wouldn’t be here if we’d gone through another round of not having the right team.
There would be no business and we wouldn’t get any investment opportunities if Crafting Software didn’t work out for Localvore — straight up, there would be no Localvore.
Ted Gay
Co-Founder, Athena
“
It’s easy to work with Crafting Software — they’re all very good people.
The team excels at project management. We’ve changed courses a few times, and the Crafting Software team has been willing to adjust to the number of resources we need. Overall, they’ve been a great partner who understands our vision.
Joshua Hall
VP of Product, Reva Technology
“
I’ve worked with plenty of teams over the last 20 years, and Crafting Software is top-notch.
They think about second- and third-order problems of how they can do their jobs better and how they can impact their customers effectively. That’s uncommon in my experience.
On top of that, they clearly take pride in their work.
Payments Orchestration Enablement FAQ
1. Is this building a full payment orchestration platform like Spreedly or Primer, or just the core infrastructure?
This builds the core orchestration infrastructure—multi-PSP integration layer, smart routing engine, monitoring, and reconciliation framework. It's not a full-featured platform with merchant onboarding, compliance modules, or white-label checkout UI. Think of it as the foundation high-volume businesses need to control their payment stack without vendor lock-in. If you need additional platform capabilities (merchant sub-accounts, compliance automation, advanced fraud rules), those can be scoped as separate phases. Most clients start here to gain routing control and resilience, then expand capabilities over time.
2. How many PSPs should we integrate initially, and how do you prioritize?
Typically 2-4 PSPs in the initial implementation: one primary card processor (Stripe, Adyen, Checkout.com), one backup for failover, and 1-2 regional or method-specific providers (e.g., PIX for Brazil, iDEAL for Netherlands). Prioritization depends on transaction volume, geographic focus, and current pain points. If authorization rates are the problem, integration focuses on PSPs with better performance in your key markets. If cost is the issue, lower-fee providers take priority. The requirements session maps current volumes and goals to optimal PSP mix—typically starting with highest-impact integrations that cover 80%+ of transaction volume.
3. What happens to our existing payment code—do you rebuild everything from scratch?
Depends on current state. If you have one PSP and basic integration, the orchestration layer wraps existing code and adds routing/failover on top—minimizing disruption. If you already have multiple PSPs with inconsistent integrations, the service typically refactors into the unified layer, bringing consistency while preserving working flows. The goal is evolutionary improvement, not rip-and-replace. During implementation, old and new systems can run in parallel (shadow mode) for validation before cutover. Your checkout UX doesn't change—orchestration happens behind the scenes.
4. How much improvement can we expect in authorization rates with smart routing?
Typical improvements range from 2-8% increase in overall authorization rates, depending on current setup and transaction mix. Gains come from: routing to PSPs with better relationships with specific card issuers (1-3% lift), intelligent retry logic with different PSPs after soft declines (2-5% recovery), geographic routing to local acquirers with higher acceptance (3-7% in target regions), and avoiding PSPs during degradation periods (preventing 10-20% temporary drops). Exact impact depends on current performance baseline, PSP mix, and how aggressively you optimize routing rules. The monitoring framework quantifies improvements as you refine routing over time.
5. What's involved in adding new PSPs or payment methods after the initial implementation?
Once the orchestration layer exists, adding PSPs becomes significantly faster—typically 1-2 weeks instead of 4-6. The unified API contract, error handling patterns, webhook orchestration, and monitoring are already built. New integrations plug into existing infrastructure. The service includes templates and patterns for common PSP types, so your team can add future providers independently using documentation provided. Many clients handle straightforward additions (another card processor) internally, engaging for complex cases (new payment method categories, unusual regional requirements).
