Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. The largest vendors in payment orchestration platforms
cannot hold places 1 to 3. Places 1 to 3 go to challengers, vendors outside the best-known brands in a category,
wherever the category has them; the established names follow from place 4 in their ranked order. How it works: placement disclosure ·
editorial process.
The 11 tools, reviewed
#1 Hyperswitch
Open-source payments switch from Juspay, self-hosted or managed · India · hyperswitch.io
Open source Self-hostable Rust core
Hyperswitch earns first place because it is the only platform here whose core code is public under the Apache 2.0 licence. A team can run it in its own cloud with Docker or Helm charts, read how routing works, and pay nothing for the Community Edition. The pricing page counts 90+ payment integrations for the self-host editions and 210+ on Hyperswitch Cloud.
- Pricing: Open source + paid tiers. Free self-hosted Community Edition; Enterprise Edition and Hyperswitch Cloud are quote-only. Free plan: open source.
- Best for: Engineering teams that want to own the stack
- Strengths: Intelligent routing; Vault with bring-your-own option; Revenue recovery retries.
Where it falls short
Hyperswitch asks the most of its users. Self-hosting means your own PCI scope, upgrades and on-call rota, and the managed cloud and enterprise editions have no published price.
Wrong for
A finance team with no engineers, or a merchant that wants a vendor to run everything and carry the compliance paperwork.
Visit Hyperswitch →
#2 Corefy
Orchestration with published per-transaction pricing for merchants and PSPs · United Kingdom · corefy.com
Published pricing 650+ providers Merchants and PSPs
Corefy is second because it is the rare orchestration vendor that prints what it charges. Its pricing page lists Standard with 10,000 transactions a month, Professional with 100,000, and an Enterprise tier above one million, billed monthly or annually and cancellable at any time. The headline claims 650+ providers, and the product covers routing, cascading, a checkout builder, payouts and reconciliation.
- Pricing: Tiers + per transaction. Standard plan includes 10,000 transactions a month, then €0.06 per transaction in the first tier; Professional includes 100,000; Enterprise is tailored. Free plan: none.
- Best for: Mid-sized merchants wanting a published price
- Strengths: Routing and cascading; Checkout builder; Batch payouts.
Where it falls short
Corefy's home page quotes three different connector figures, 650+, 600+ and 1,200+, so the count that matters is the list for your own acquirers. The infrastructure fee is shown as custom, which means the plan price is not fully public.
Wrong for
A large enterprise that wants a dedicated implementation team, a card vault under its own control, or a named PCI attestation before the first call.
Visit Corefy →
#3 Spreedly
Vault-first payments platform that keeps card tokens portable · United States · spreedly.com
Token vault 150+ gateways Workflow builder
Spreedly is third because it offers the clearest answer to the question that traps most orchestration buyers: who owns the cards. Its Independent Vault is sold on its own from $750 a month, so a merchant can start with tokens it controls and add routing later. The pricing page lists 150+ gateway connections, 60+ payment methods and 32+ fraud and risk solutions.
- Pricing: Monthly + quote. Independent Vault starts at $750 per month; the Performance Optimization product is quote-only. Free plan: none.
- Best for: Merchants who want to own card tokens
- Strengths: Vault (token ownership); 150+ gateway connections; 60+ payment methods.
Where it falls short
Spreedly publishes only one starting price, and the optimization product that does the routing has none. Its pages say nothing on PCI level, and the pricing page does not describe an export process, only 'ownership'.
Wrong for
A company that wants one contract covering acquiring, billing and tax, or a small team with a single processor.
Visit Spreedly →
#4 Solidgate
Orchestration plus acquiring, billing and antifraud in one stack · Cyprus · solidgate.com
Subscriptions Own acquiring Licensed in Cyprus
Solidgate sits fourth because it covers the whole chain for subscription merchants. Orchestration across PSPs, a vault, billing, antifraud, dispute recovery and tax live in one dashboard, and Solid Processing Ltd is an authorized electronic money institution under the Central Bank of Cyprus. The site states trust by 500+ businesses, names Bolt and Ajax Systems, cites PCI DSS 4.0 and guarantees 99.99% uptime, excluding outages at third-party acquirers.
- Pricing: Usage-based. Priced on transaction volume and product mix; no rates are published. Free plan: none.
- Best for: Subscription and SaaS companies
- Strengths: Orchestration; Intelligent routing; Vault.
Where it falls short
Solidgate is not neutral. It sells its own acquiring and treasury next to orchestration, so routing and fee decisions sit beside a commercial interest of the vendor.
Wrong for
A merchant that already has strong acquirer contracts and only needs a neutral routing layer on top.
Visit Solidgate →
#5 Payrails
Modular payments platform with a merchant of record option · Germany · payrails.com
Berlin-based Merchant of record Modular
Payrails is fifth because it pairs a modular orchestration layer with a way to enter a market without a local entity. Its site lists 100+ integrations with providers such as Adyen, Stripe, Checkout.com and Worldpay, plus modules for token vault, network tokenization, 3DS, reconciliation, payouts and fee monitoring. Customers named include Puma, DeepL, Vinted and Preply.
- Pricing: Quote only. No published prices; demo-based quote. Free plan: none.
- Best for: European and global merchants entering new markets
- Strengths: Orchestration; Token vault; Network tokenization.
Where it falls short
Payrails shows no pricing, no PCI or ISO claim on its home page, and no description of how tokens leave the vault.
Wrong for
A merchant that needs a documented PCI attestation up front, or a team that only wants a thin routing API.
Visit Payrails →
#6 Primer
Unified payments infrastructure with a no-code workflow builder · United Kingdom · primer.io
Workflows Vault Observability
Primer ranks sixth as a polished, product-led platform. Its workflows let a payments owner build routing, fallbacks and 3DS rules without code, and the Costs Overview module spots leakage and benchmarks providers. The platform also covers checkout, a central vault, observability, monitors and reconciliation. Primer cites SOC 2 Type 2 and GDPR compliance, 99.99% uptime, and customers such as GetYourGuide, Conforama and Banxa.
- Pricing: Quote only. No published prices; contracts are made on an order form. Free plan: none.
- Best for: Scale-ups with a payments product owner
- Strengths: Checkout; Centralized vault; Workflows.
Where it falls short
Primer publishes no prices and no connector count, so a buyer cannot judge coverage from the site. Its pages are silent on moving credentials out of the vault.
Wrong for
A small merchant without a payments owner, or a team that needs a self-hosted option.
Visit Primer →
#7 Akurateco
Payment orchestration and white-label gateway software · Portugal · akurateco.com
On-premises White-label 700+ integrations
Akurateco is seventh because it is one of the few vendors here that will install on your own cloud. Its site lists SaaS, on-premises and cloud-agnostic deployment, 700+ integrations, 150 configurable fraud filters, recurring payments and automated reconciliation. It says about five business days to get processing running, a claim few vendors make.
- Pricing: Quote only. No published prices; request a demo. Free plan: none.
- Best for: Banks, PSPs and enterprise merchants
- Strengths: Intelligent routing; Network tokenization; 150 fraud filters.
Where it falls short
Akurateco publishes no pricing, no named PCI level beyond a logo, and few named customers.
Wrong for
A merchant that wants a vendor with large named customers and published references, or one that needs a hosted self-serve start.
Visit Akurateco →
#8 Yuno
AI-routed payment orchestration for global and LATAM merchants · Mexico · y.uno
LATAM 1,000+ integrations ISO 27001
Yuno is eighth because its strength is coverage. Its site cites 1,000+ payment methods, PSPs and fraud tools across 190 countries, and names customers such as Uber, McDonald's, Rappi and inDrive. Products include smart routing, a vault, network tokens, account updater, reconciliation, payouts and fraud prevention. The company lists ISO 27001, ISO 27701, PCI DSS and SOC 2 Type 2, and calls itself a Visa Service Provider.
- Pricing: Quote only. No published prices; demo-based quote. Free plan: none.
- Best for: Global merchants selling into Latin America
- Strengths: Smart routing; Vault; Network tokens.
Where it falls short
Yuno publishes no pricing, and the headline results, such as 30% recovered revenue and 27% cost savings, are vendor figures without a stated method.
Wrong for
A merchant selling only in Europe or North America with two acquirers.
Visit Yuno →
#9 Gr4vy
Enterprise payment orchestration with a dedicated instance option · United States · gr4vy.com
Enterprise Dedicated instance Data portability
Gr4vy is ninth because it is aimed at enterprises and platforms rather than the buyer this ranking leads with. The site lists 400+ payment methods and anti-fraud providers, a vendor-agnostic vault with data portability, workflows, analytics and a white-label option for platforms with sub-merchants. It also offers 'your own instance, anywhere', a dedicated deployment that gives a large merchant isolation from other tenants.
- Pricing: Quote only. No published prices; contact sales. Free plan: none.
- Best for: Enterprise merchants and platforms
- Strengths: Routing; Vault with data portability; Workflows.
Where it falls short
Gr4vy gives no prices, no PCI statement on the pages we read, and no address on its contact page. Its company page lists executives in San Francisco and London. The uplift figures are vendor claims with no method behind them.
Wrong for
A small merchant or a team that wants to start with a published price.
Visit Gr4vy →
#10 APEXX Global
Acquirer-focused orchestration and routing for travel and large merchants · United Kingdom · apexx.global
80+ acquirers Travel Dynamic routing
APEXX Global is tenth because it is an acquirer-routing specialist rather than a general platform. Its site cites 80+ acquirers, 30+ BNPL providers, an intelligent routing engine called AIRE, cascading, Smart Split and Revenue Protect. Customer figures include TUI adding five acquirers and five payment methods, Air Seychelles reporting an 8% rise in acceptance, and Ryanair using cascading. Reporting spans every provider in one place.
- Pricing: Quote only. No published prices; a cost saving calculator estimates savings. Free plan: none.
- Best for: Multi-acquirer travel and retail merchants
- Strengths: AIRE routing engine; Decline cascading; Smart Split.
Where it falls short
APEXX Global has no published pricing and no stated PCI level on its home page, only an ISO 27001 logo. Its case studies are mostly airlines and travel, so retail and subscription evidence is thinner. The site does not describe token export.
Wrong for
A subscription or SaaS company with a single acquirer, or one that wants a vault-first product.
Visit APEXX Global →
#11 IXOPAY
Tokenization and orchestration platform for enterprise merchants · United States · ixopay.com
Universal Tokens 500+ adapters Enterprise
IXOPAY is eleventh because it is built for the largest buyers. The site lists 500+ pre-built payment adapters, 250+ acquirers and 300+ payment methods, and its Universal Tokens are described as a merchant-owned tokenization layer. IXO One bundles orchestration, card lifecycle, payment intelligence and security. IXOPAY says 700+ customers, including Aer Lingus, Siemens and Zappos, and its company page dates the group to 2001 in Vienna.
- Pricing: Quote only. No published prices; pay for capabilities and usage as you grow. Free plan: none.
- Best for: Enterprises with many acquirers
- Strengths: Intelligent routing; Payment adapters; Universal Tokens.
Where it falls short
IXOPAY gives no prices and no named certification on its home page, and its processed-volume figures differ between pages. The product list is long, which suggests a heavier implementation than hosted self-serve tools.
Wrong for
A mid-sized merchant that needs to go live in days with a published price.
Visit IXOPAY →
Questions and answers
What is the best payment orchestration platform in 2026?
Hyperswitch ranks first of 11, best for engineering teams that want to own the stack. Corefy is second (mid-sized merchants wanting a published price) and Spreedly third (merchants who want to own card tokens). Places 1 to 3 go to challengers, vendors outside the best-known brands, wherever the category has them.
What is a payment orchestration platform?
A payment orchestration platform is a layer between your checkout and your payment providers.
What is the difference between a payment gateway and payment orchestration?
A payment gateway sends transactions to one acquirer or processor. A payment orchestration platform connects to several gateways and decides per transaction which one to use.
How much does a payment orchestration platform cost?
Few vendors publish prices.
Is there a free or open source payment orchestration platform?
Hyperswitch is the main one: its code is published on GitHub under the Apache 2.0 licence and its pricing page offers a free self-host Community Edition.
When does a company actually need payment orchestration?
A company needs it when a single processor limits revenue: approval rates that vary by country, outages that stop checkout, local methods the processor lacks, or fees that cannot be negotiated down.
Can I move my stored cards to another processor with orchestration?
Yes, if your tokens sit in a vault you control.
How do I choose between a payment orchestration platform and building routing in house?
Building makes sense when you have a payments engineering team, a handful of providers and a need to own the routing logic. It costs ongoing maintenance for every provider API change, PCI scope and on-call work.
Which payment orchestration platforms are European?
In this ranking, Payrails is based in Berlin, IXOPAY was founded in Vienna and keeps a European office there, and Solidgate's licensed entity is registered in Cyprus (Nicosia). Akurateco's company is registered in Portugal.
Do payment orchestration platforms handle PCI compliance?
They reduce it, but each vendor says different things. Hyperswitch lists PCI DSS 4.0 for the US and EU, ISO 27001:2022 and SOC 2 Type 2 in its footer.
What should I ask a payment orchestration vendor on a demo call?
Ask for the production connector list for your acquirers and countries, the written token exit process, how a provider outage is detected and routed around, what is metered on the invoice, and who maintains each connector.
