Payment Orchestration Platform
Route every transaction to the processor most likely to approve it. Cascade failover keeps revenue flowing when an acquirer degrades, and a single API replaces dozens of point integrations.
Payment orchestration is the layer above your processors. It decides which acquirer to send each transaction to, retries declines on a backup rail, manages tokens consistently across providers, and gives you one place to see and reconcile everything. For businesses moving money across cards, ACH, wire, and stablecoins, orchestration is the difference between a brittle stack of vendor integrations and a payment infrastructure that compounds in reliability over time.
Inyo's orchestration platform is built for cross-border money movement and account-funding flows specifically — not retail checkout. That means AFT-native classification, OCT-aware routing, sender data on every transaction, and full compliance handling on the rail you're routed to.
Intelligent transaction routing
Every authorization is scored in real time against per-acquirer performance data, BIN-level approval rates, FX corridors, and cost. The router selects the rail with the highest expected approval likelihood at acceptable cost — not just the cheapest path. For high-value transactions or restricted corridors, you can pin routing decisions by rule.
Automatic cascade failover
When a primary acquirer issues a soft decline, the orchestrator retries on a configured backup with proper metadata (MIT flags, COF indicators, network tokens) to maximize the chance of approval. Cascade rules are explicit and auditable — you decide what counts as retry-eligible and what doesn't.
Unified tokenization across providers
Network tokens (Visa Token Service, MDES) and gateway tokens are managed in one place. A token created against acquirer A can be transparently used against acquirer B during failover — no double vaulting, no PCI scope expansion. Read more in the tokenization guide.
Built for money movement, not retail checkout
Inyo's orchestration layer was designed for AFT pay-ins and OCT payouts — the rails that power remittance, wallet funding, and prepaid loads. Classification, sender data handling, and Visa AFT mandate compliance are applied automatically. See the orchestrator vs gateway comparison for the deeper architecture.
Frequently Asked Questions
What is payment orchestration?
Payment orchestration is the process of managing and routing payment transactions across multiple processors, gateways, and payment methods through a single unified API. It centralizes routing logic, failover, tokenization, and reconciliation so you can change providers or add rails without re-integrating.
How does Inyo decide which processor to route to?
Inyo scores each transaction in real time using per-acquirer historical approval rates, BIN-level data, cost, and corridor-specific performance. You can also pin specific routing rules — for example, route all AFTs in a corridor through a particular acquirer, or fall back to a specific backup on soft declines.
Does payment orchestration improve approval rates?
Yes. By cascading soft declines to a secondary acquirer with the correct MIT and tokenization signals, and by selecting the highest-performing rail per BIN, well-tuned orchestration typically recovers 2–8% of revenue lost to processor-specific decline patterns.
Can I keep my existing processors?
In most cases, yes. Inyo orchestrates across direct acquirers and existing processor relationships; you do not need to migrate every contract to use the platform.
Is Inyo PCI DSS compliant?
Yes. Card processing operates through IPS Payments US, a PCI DSS Level 1 certified processor in the Inyo group.
Route every transaction to the rail most likely to approve it
Talk to the Inyo team about consolidating your processors behind a single orchestration layer.
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