Payment Orchestration Platform
Shivacha Payment Orchestration: Route every payment to the best provider — and fail over automatically.
Rails
Card · A2A · Stablecoin
Routing
Provider A · B · C
Settlement
T+1
Typical implementation
3–4 weeks
White-label implementation
Customization
Highly customizable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A payment orchestration layer that unifies PSPs and acquirers behind one API with smart routing, cascading retries, provider-agnostic tokens and consolidated analytics.
The problem
Relying on a single payment provider exposes merchants and platforms to outages, suboptimal approval rates and weak negotiating positions. Integrating many providers directly multiplies complexity.
The solution
Shivacha Payment Orchestration sits above your providers. You integrate once, configure routing rules and let the platform choose, retry and fail over per transaction — with full visibility of performance by provider.
Feature modules
What's inside
Unified payments API
One integration for many providers and methods.
Routing engine
Rules by BIN, currency, amount, region and provider health.
Retries & failover
Cascading retries on soft declines and outages.
Token vault
Provider-agnostic tokens for portability.
Analytics
Approval rates, costs and latency by provider and segment.
Rules console
Operations-friendly routing configuration with versioning.
Product preview
Designed for operators and end users.
- Single API across PSPs
- Smart, rules-based routing
- Automatic failover
- Portable tokenisation
- A/B testing of routing strategies
- Consolidated reporting
- Webhook normalisation
- Provider SDK for new integrations
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Global and regional PSPs
- Acquirers
- Fraud tools
- 3DS servers
- Token vaults
- BI tools
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Approval optimisationRoute to the provider most likely to approve.
- Cost optimisationRoute by fee and interchange characteristics.
- ResilienceContinue processing during provider outages.
- Global expansionAdd local providers without checkout changes.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Payment Orchestration Platform
Orchestrate multiple PSPs and acquirers with smart routing, failover, unified tokens and consolidated reporting.
Learn morePayment Routing Engine
Intelligent payment routing: rules and data-driven decisions by cost, approval probability, BIN, region and provider health.
Learn morePayment Reconciliation Automation
Automated reconciliation of payments, provider reports, settlements and bank statements — with exception workflows.
Learn moreRelated products
Works well with
Shivacha Payment Gateway
A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Learn moreShivacha Merchant Payments
Merchant onboarding, omnichannel acceptance and settlement in one platform.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Does orchestration replace our PSPs?
No. It sits above them and routes between them.
Can routing rules change without engineering?
Yes, through the rules console with validation and approvals.
Can stablecoin rails be added?
Yes — through the hybrid payment extension.
Request a product demo.
See how Shivacha Payment Orchestration fits your business, and how we would customise and deploy it.