#payment aggregator

As updated by the RBI in March 2020, its released framework regarding payment aggregators' and further continuation compliance stated the payment gateways now need to obtain a license and certification from PCI DSS to keep their merchant transactions as it is and smooth going.

Learn More: NBFC Advisory

In the rapidly evolving digital payment ecosystem, businesses are dealing with multiple payment gateways, providers, currencies, and customer expectations. Payment failures, high transaction costs, and limited flexibility often result in lost revenue and poor customer experience. This is where Payment Orchestration Platform comes in — and at Haoda Tech, we specialize in building smart, scalable, and secure orchestration platforms tailored to modern business needs.

But what truly makes a payment orchestration system successful?

Here are the key success factors that define the Haoda Tech advantage:

1. Seamless Multi-Provider Integration

Haoda Tech’s payment orchestration software supports integration with multiple payment gateways, processors, acquirers, and alternative payment methods across the globe. Whether it's Razorpay, PayU, Stripe, or international players like Adyen and PayPal — our system gives you the freedom to plug and play with the best options.

Result: Better transaction routing, higher success rates, and reduced vendor dependency.

2. Smart Transaction Routing Engine

At the heart of our platform is an AI-driven routing engine that automatically directs each transaction to the most cost-effective and reliable payment processor. The engine evaluates success rates, transaction fees, regional rules, and currency compatibility in real-time.

Outcome: Lower processing costs, faster payments, and fewer failures.

3. Centralized Monitoring & Real-Time Analytics

Haoda Tech provides businesses with a centralized dashboard to monitor every transaction, across every provider, in real time. From status alerts to settlement timelines, merchants get complete visibility and actionable insights through custom analytics and reporting tools.

Benefit: Instant problem resolution, better planning, and higher control over cash flow.

4. Failover Mechanism & Redundancy

Our POS is designed with built-in redundancy protocols. If a payment fails with one gateway, it is instantly rerouted to another active provider without disrupting the customer experience. This significantly improves transaction success rates and minimizes revenue loss.

Advantage: Business continuity and frictionless user experience.

5. Global Reach with Local Support

Haoda Tech’s orchestration platform is ready for global commerce — supporting local payment methods, country-specific regulations, and multi-currency processing. Whether you’re expanding across India or going international, our system adapts to your strategy.

Support for UPI, Netbanking, BNPL, wallets, and international cards.

6. Rock-Solid Security & Compliance

We take compliance seriously. Our software is PCI-DSS compliant and offers advanced features like tokenization, two-factor authentication, encryption, and AI-based fraud detection.

Peace of Mind: Your customer data is secure, and your business stays compliant.

7. Developer-Friendly APIs & Modular Design

Our orchestration platform comes with clean, well-documented APIs and webhooks. Developers can integrate quickly, test easily in sandbox environments, and customize modules as the business evolves.

Scalable architecture = future-ready payments.

8. Tailored to Your Business

Every business is different — and that’s why we don’t believe in one-size-fits-all. At Haoda Tech, we work closely with clients to understand their operations and build the best payment orchestration development company that scales with them.

From startups to enterprises, we make payment automation work for everyone.

Final Thoughts

A great payment orchestration platform is more than just tech — it's a strategic advantage. At Haoda Tech, we deliver platforms that are intelligent, reliable, and built for growth. With the right tools, your business can offer smoother checkouts, reduce costs, and tap into global markets with confidence.

Ready to streamline your payment infrastructure? Let’s build it together.

Get a free consultation from Haoda Tech today!

As digital transactions evolve rapidly, businesses are looking for smarter, faster, and more flexible ways to manage payments. That’s where payment orchestration platforms come into play—connecting multiple payment gateways, improving approval rates, automating failover, and providing a unified system to streamline the entire payment experience.

In 2025, the need for seamless transaction flow is more critical than ever. Whether you're an eCommerce brand, SaaS provider, or enterprise business, having a robust payment orchestration system can directly impact your revenue, customer satisfaction, and global reach.

Here are the top 10 payment orchestration platforms leading the market in 2025:

1. Stripe Connect

Stripe Connect remains a favorite among developers and platforms. It offers built-in support for multi-party payments, robust APIs, fraud detection, and global scalability. Its ability to handle everything from payouts to compliance makes it a go-to solution.

2. Adyen

Adyen offers end-to-end payment orchestration with intelligent routing, local acquiring, and rich analytics. Its unified commerce solution helps retailers manage in-store and online payments effortlessly across geographies.

3. HaodaTech

HaodaTech is rising fast as a reliable payment orchestration development in UAE, US, Malaysia, India  especially for businesses in India and emerging markets. Known for its customizable solutions, HaodaTech allows businesses to integrate multiple gateways, automate transaction routing, manage real-time analytics, and ensure high success rates. With a strong focus on security, scalability, and affordability, it's a perfect fit for growing businesses, fintech startups, and enterprises looking to build tailored payment flows.

4. Rapyd

Rapyd is a global platform that offers local payment methods in over 100 countries. From collecting payments to payouts and cross-border FX handling, Rapyd simplifies global commerce for online platforms.

5. Checkout.com

With flexible APIs and enterprise-grade security, Checkout.com is a powerful orchestration solution. It allows businesses to optimize payment routing, reduce friction, and maintain full control over their payment stack.

6. Payoneer

Payoneer is ideal for businesses with cross-border transactions. It offers virtual accounts, global receiving solutions, and integrates seamlessly with marketplaces, making it ideal for freelancers, exporters, and eCommerce sellers.

7. Worldpay (by FIS)

Worldpay provides enterprise-level payment orchestration with tools like dynamic routing, recurring billing, and fraud protection. Its long-standing industry reputation makes it a strong contender in 2025.

8. CellPoint Digital

Popular among travel and retail brands, CellPoint Digital enables intelligent routing, real-time optimization, and transaction analytics. It’s built to reduce failed payments and boost conversions.

9. Primer

Primer provides a no-code infrastructure for payment workflows. Businesses can connect multiple tools—from fraud protection to payment gateways—using a visual builder, making it a favorite among startups.

10. Paddle

Designed for SaaS companies, Paddle combines subscription billing, tax compliance, and payment orchestration under one platform. It’s especially beneficial for global software businesses.

Final Thoughts

The future of payments lies in flexibility and control. Whether you want to integrate multiple gateways, improve success rates, or expand globally, these orchestration platforms provide the infrastructure you need.

For businesses seeking a custom-built orchestration system, HaodaTech offers the perfect blend of innovation, support, and affordability.

In today’s digital-first world, managing payments across multiple channels and providers has become more complex than ever. Businesses, especially those in the e-commerce, fintech, and SaaS sectors, are struggling to unify fragmented payment systems and ensure seamless transaction flows. This is where Haoda Tech’s Payment Orchestration Platform steps in as a game-changing solution—bringing scalability, intelligence, and control into the payment ecosystem.

The Challenge with Traditional Payment Systems

Most businesses in India rely on individual payment gateways, which come with their own limitations—downtime, lack of failover systems, complex integration, and zero flexibility in routing logic. When payments fail or slow down, so does business growth. Moreover, managing multiple gateways manually is time-consuming and error-prone.

This creates a demand for a centralized system that can connect, manage, and optimize all payment providers from a single platform.

Enter Haoda Tech: Redefining Payment Infrastructure

As a leading software development company in India, Haoda Tech offers a robust payment orchestration platform that simplifies and supercharges how businesses handle transactions. From startups to large enterprises, companies can benefit from intelligent routing, real-time insights, and seamless integration—all packed into one powerful system.

Key Features That Set Haoda Tech Apart

Multi-Gateway IntegrationConnect with 200+ payment providers including UPI, cards, wallets, and net banking—all through a single API. No need to juggle multiple contracts or dashboards.

Smart Transaction RoutingHaoda Tech’s orchestration engine automatically routes payments through the best-performing gateway in real time—improving success rates and reducing payment failures.

Auto Failover SupportIf one gateway goes down, the system instantly switches to the next available provider—ensuring zero downtime and uninterrupted user experience.

Unified Dashboard & ReportingView all transactions, settlements, and analytics in one place. Leave behind reconciliation hassles and embrace smarter decision-making.

PCI-DSS Compliant SecurityWith enterprise-grade encryption and compliance, HaodaTech ensures every transaction is secure and regulation-ready.

Plug & Play API ArchitectureDesigned for developers, the platform offers clean, well-documented APIs for quick integration across web, mobile, and backend systems.

Benefits for Businesses

Improved Success Rates: By routing transactions through the most efficient gateway, businesses can significantly boost conversion rates.

Lower Operational Costs: No need to maintain multiple vendor relationships or systems—Haoda Tech handles it all.

Faster Go-to-Market: With rapid integration and pre-built modules, businesses can start accepting payments in days, not weeks.

Better Customer Experience: Smooth, fast transactions lead to higher customer satisfaction and repeat purchases.

Designed for Scale

Whether you're a growing e-commerce brand or a fintech startup building the next unicorn, Haoda Tech’s solution is built to scale with your needs. Its modular architecture ensures that you can add new payment providers, markets, or features as your business evolves.

Final Thoughts

Choosing the right best payment orchestration platform can mean the difference between thriving and merely surviving in today’s competitive market. Haoda Tech’s solution combines innovation, flexibility, and reliability—making it a must-have for modern businesses.

If you're looking for a trusted software development company in India that understands both technology and business, Haoda Tech is your go-to partner.

In India’s fast-evolving digital payment space, two core terms dominate the backend of every successful transaction — Payment Gateway and Payment Aggregator. They sound similar, but their roles are distinct, and understanding the difference can help businesses choose smarter.

What’s a Payment Gateway?

A Payment Gateway is the tech engine. It securely transfers customer payment data to the bank and returns authorization. It doesn’t hold money — just transmits information securely.

What’s a Payment Aggregator?

A Payment Aggregator (PA) does the heavy lifting. It:

Onboards merchants

Collects payments

Ensures KYC/AML compliance

Settles money into merchants' bank accounts It’s licensed by the RBI and responsible for managing the financial flow.

Why Both Matter

They work best together — a Payment Gateway powers the tech, while the Payment Aggregator manages the end-to-end experience. Businesses often rely on aggregators who bundle in the gateway functionality for a seamless process.

This article explains the core differences between payment aggregators and payment gateways, especially in the context of NBFCs (Non-Banking Financial Companies).

Payment Gateway: A tech tool that encrypts and authorizes online transactions, connecting customers, merchants, and banks. Suitable for large enterprises needing control over payments.

Examples: Razorpay, PayU, CCAvenue, PayPal.

Payment Aggregator: Allows multiple businesses to accept payments under one master merchant account without needing individual bank accounts. Ideal for startups and SMEs due to fast onboarding and lower compliance.

Examples: Instamojo, Cashfree, Paytm for Business.

Key Differences:

Merchant account: Required for gateways, not for aggregators.

Onboarding: Faster with aggregators.

Settlement: Direct with gateways; routed via aggregators.

Compliance: Aggregators manage KYC and RBI norms.

Best use: Gateways for large NBFCs, aggregators for small NBFCs and startups.

NBFC Benefits:

Easier EMI collection and loan disbursement

Faster onboarding via eMandates and KYC

Reduced operational burden

Better compliance with RBI guidelines

Access to analytics, dashboards, and APIs

Choosing the Right Option:

Choose a gateway for control and existing infrastructure.

Choose an aggregator for speed and simplicity.

Considerations Before Choosing:

Check for RBI approval, PCI-DSS compliance, settlement timelines, MDR fees, and technical support.

Regulatory Notes: RBI mandates registration, KYC, card tokenization, and escrow accounts for aggregators to ensure transparency and reduce fraud.

Conclusion: Both tools are crucial for NBFCs’ digital growth. Payment gateways provide secure processing, while aggregators simplify operations and compliance. The choice depends on business scale and regulatory needs.