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What is a Payment Orchestration System

What is a Payment Orchestration System

1. What is Payment Success Rate?

Payment success rate refers to the percentage of payment attempts that are successfully authorized and settled. It’s a critical KPI for businesses operating online—impacting revenue, user experience, and customer retention.

2. Key Factors That Affect Payment Success

a. Payment Method & PSP Choice

  • Not all payment methods perform equally across regions;
  • Local methods (e.g., iDEAL, PIX) often outperform international cards;
  • Certain PSPs may have higher success rates in specific countries.

b. Geolocation & Localization

  • Lack of currency, language, or flow localization can confuse users;
  • Some markets require stricter verification protocols (e.g., 3D Secure).

c. Card Type & Issuer Bank Behavior

  • Prepaid/debit cards tend to fail more often than credit cards;
  • Issuer banks may block international transactions for risk reasons;
  • BIN mismatches with PSP capabilities can lead to rejections.

d. User Experience & Checkout Design

  • Slow load times, confusing forms, or excessive redirects reduce success;
  • Bad field validation or unclear errors increase drop-off rates.

e. 3D Secure & Authentication Issues

  • Failed or delayed 3DS flows (especially on mobile);
  • User errors or failed challenges prevent successful authorization.

f. Risk & Fraud Controls

  • Overly strict fraud models (either by merchant or PSP);
  • Triggers include high-risk IPs, unusual device fingerprints, or velocity checks.

g. Technical Errors & System Uptime

  • Gateway timeouts, API failures, or infrastructure instability;
  • Poor integration between merchant and PSP can cause errors.

h. Retry & Failover Strategy

  • Lack of intelligent retry logic;
  • No fallback PSPs configured in case of downtime or declines.

i. Customer-Related Issues

  • Insufficient funds, card expired, or blocked accounts;
  • Spending limits or temporary holds by the issuer.

j. Regulatory & Compliance Constraints

  • AML/KYC flags during cross-border transactions;
  • Regulatory restrictions in specific countries or regions.

3. How to Improve Your Payment Success Rate?

  • Integrate multiple PSPs and enable smart routing and retry;
  • Optimize checkout UI/UX and load performance;
  • Offer localized payment methods;
  • Fine-tune risk and 3DS configurations with PSPs;
  • Build a data-driven monitoring system to analyze failure reasons;
  • Run A/B tests to continuously refine your payment flows.

About EFundFlow

EFundFlow is a one-stop global payment orchestration platform integrated with 100+ providers, covering mainstream global methods. A single integration streamlines multi-gateway management and cuts technical costs. Smart routing and retry improve approval rates by 12%–20%, while full-cycle risk control and chargeback alerts reduce chargebacks by up to 90%. Certified with PCI DSS Level 1 and other global standards, EFundFlow offers real-time dashboards for payment status, reconciliation, and alerts—ensuring secure and compliant operations.

With EFundFlow, one-time integration unlocks global payments access.