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Payment Orchestration

Encoded’s payment orchestration platform is a single software layer that enables secure, frictionless, online payment processing from payer to payee.

Business benefits include:

Delivers least cost acquiring through optimised transaction routing to reduce payment costs
Enhances security and compliance ensuring fraud prevention for increased customer satisfaction
Simplifies payment management with a single provider for all payments and reporting to streamline visibility and save time
Enables global reach and support with simple, low-cost expansion of payment infrastructure
Provides increased flexibility and scalability with one-to-many integration

Download Encoded’s Guide to Payment Orchestration

INTEGRATIONS

Our Acquirer and Gateway Integrations

INTEGRATIONS

Our Acquirer and Gateway Integrations

OVERVIEW

What is Payment Orchestration?

A payment orchestration platform is a single software layer that enables the processing of secure, frictionless online payments from payer to payee.

Like a conductor, payment orchestration wields its baton to integrate and manage the entire payment process, from payment authorisation to transaction routing and settlement.

Encoded’s Payment orchestration layer works independently of a merchant’s or contact centre’s chosen gateway payment provider and is not affiliated with an acquirer. In this way it can manage multiple card issuers, card schemes, payment methods and open banking which can be interchanged and used dynamically, in real-time to ensure secure, frictionless payments at least cost.

What is a Payment Orchestration platform?

A payment orchestration platform is a single software layer that enables the processing of secure, frictionless online payments from payer to payee. Payment orchestration helps organisations to manage the entire payment process, from payment authorisation to transaction routing and settlement.

What is the difference between payment orchestration and a payment gateway?

Payment gateways typically support a limited set of payment methods, including major credit cards and possibly a few alternative payment methods. The main function of a payment gateway is to securely transmit transaction data between the merchant, the customer, and the payment processor or acquiring bank. It focuses on transaction processing, authorisation, and settlement only.

A payment orchestration platform offers a more comprehensive solution. In addition to transaction processing, it acts as a central layer or hub that connects merchants to multiple payment service providers (PSPs), acquirers, alternative payment methods, and other financial services. It offers flexibility, advanced routing capabilities, and the ability for businesses to optimise their payment ecosystem.

What payment methods does it support?

Encoded’s payment orchestration platform offers a broader choice of payment methods by allowing merchants to connect and manage multiple payment methods through a single integration. This enables converged commerce to provide online, in-app, MOTO and Open Banking options via one system giving more choice and an enhanced customer experience.

How does this compare with a payment gateway?

Payment gateways typically support a limited set of payment methods, including major credit cards and possibly a few alternative payment methods.

Does payment orchestration enable integration with existing and/or new systems?

Encoded’s orchestration platform uses a feature rich, single and simple to use Application Programming Interface (API) which enables easier integration with various payment providers. It reduces the technical complexity and effort with no significant infrastructure changes.

Businesses can quickly expand to new markets and support multiple currencies, payment methods, and languages, helping increase global reach.

How does payment orchestration help protect against fraud and ensure security?

Encoded’s orchestration platform provides built-in security features, such as fraud detection and data encryption, to protect sensitive customer information. All payment processing is consolidated through the single platform, helping to provide consistent security measures and adherence to regulatory requirements.

What about PCI DSS compliance?

Encoded’s payment orchestration layer includes Encoded’s Patent Pending Fraud Protection Platform with PCI DSS compliance for increased customer security. The built-in security features, such as fraud detection and data encryption, protect sensitive customer information and help to comply with regulatory requirements.

What difference does payment orchestration make to the customer experience?

Payment orchestration intelligently routes transactions to the most appropriate card scheme, based on cost, success rates and processing times. By dynamically selecting the best payment option at the point of transacting it protects against failed transactions. This optimises overall payment performance to increase approval rates and provides a smoother, more reliable customer experience.

How does payment orchestration reduce transaction costs?

Encoded’s payment orchestration layer supports intelligent, dynamic routing that sends transactions to the most appropriate payment channel and the least cost acquirer at the time. This reduces costs, increases conversion rates and improves cashflow.

How is a payment orchestration implemented?

Encoded’s payment orchestration layer is placed in front of your current gateway.

Is payment orchestration independent of gateways and acquirers?

A payment orchestration layer works independently of a merchant’s or contact centre’s chosen gateway payment provider and is not affiliated with an acquirer. In this way it can manage multiple card issuers, card schemes, payment methods and open banking which can be interchanged and used dynamically, in real-time to ensure secure, frictionless payments at least cost.

How easy is it to integrate payment orchestration?

A payment orchestration layer with a feature rich, single and simple to use Application Programming Interface (API) enables easier integration with dozens of Acquirers and Payment Gateways to ensure greater settlement success.

Can payment orchestration handle recurring payments?

A secure token vault enables the safe storing of card data for repeat use.

Why Encoded?

Encoded is a Level 1 PCI DSS accredited payment service provider – which means that merchants, contact centres and their customers can rely on Encoded’s orchestration platform with absolute confidence.

Download our PCI DSS Certificate

Compliance made easier

Encoded’s payment orchestration layer consolidates all payments through a single platform via its payment gateway that checks and validates data. Built-in security features, such as fraud detection and data encryption, protect sensitive customer information helping businesses to comply with regulatory requirements.

Reduces costs

Encoded’s payment orchestration layer can integrate with a wide range of global acquirers, gateways and open banking partners enabling merchants to work out the best possible terms and rates, while increasing conversion rates.

It supports intelligent, dynamic routing that sends transactions to the most appropriate payment channel and least cost acquirer at the time. This increases conversion rates and improves cashflow.

Improves customer experience

As a standalone orchestration platform, Encoded ensures a resilient payment ecosystem that benefits merchants and customers. By dynamically selecting the best payment option at the point of transacting it protects against failed transactions to deliver a smoother and more reliable customer experience.

Simplifies the payment process

Encoded’s independent, vendor-agnostic payment orchestration platform harmonises and simplifies payment, making it easier for businesses to manage and track transactions across different card issuers, card schemes, open banking and acquirers. It enables merchants to offer the latest payment options to customers, such as ApplePay, GooglePay, Samsung Pay and Open Banking.

Developer friendly

Encoded’s Payment orchestration platform uses a readily available dev friendly API, is easy to implement, and enables user acceptance testing (UAT) and test environments – including test card data.

As an independent platform with one-to many API integration, it is easy to integrate with new payment service providers or add payment methods as needed, local or international, rather than connecting with third-party payment providers via different platforms or accounts. It allows businesses to grow without the need for significant infrastructure changes.

Ultimate guide to Payment Orchestration

Download the Ultimate Guide to Payment Orchestration to learn what it is and how to reduce transaction costs.

Download guide

Features and benefits

What are the Key Features of Payment Orchestration ?

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Simplifies payment management

Consolidates all payment processing into a single platform, making it easier for businesses to manage and track transactions across different card issuers, card schemes, gateways, open banking and acquirers.

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Enables global reach and support

Businesses can quickly expand to new markets and support multiple currencies, payment methods, and languages, helping increase global reach without significant infrastructure changes.



Optimises transaction routing

Encoded’s Payment Orchestration platform intelligently routes transactions to the most appropriate card scheme, based on cost, success rates and processing times. It optimises overall payment performance for reduced transaction costs and improved approval rates.



Enhances security and compliance

The platform provides built-in security features, such as fraud detection and data encryption, to protect sensitive customer information. By consolidating all payment processing through the single platform, businesses can ensure consistent security measures and adhere to regulatory requirements.

Key Features of Encoded’s Payment Orchestration Layer

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Increases customer choice by offering multiple payment methods APM’s, ApplePay, Google Pay, open banking or a mix

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Saves money with dynamic acquirer selection for least-cost routing and acquiring

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Helps developers retain control of the look & feel of e-commerce pages with Hosted Payment Fields

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Improves security and reduces cost of compliance by reducing and eliminating PCI DSS scope

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Enables faster settlement, reduced transaction costs and improved cashflow through a single provider

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Improved customer experience (CX) with seamless integration with Encoded’s entire suite of payment solutions

Key Benefits of Encoded Payment Orchestration

Payment solutions and Payment orchestration layer from a single partner for continuity and reduced costs

A feature rich, single and simple to use Application Programming Interface (API) to enable easier integration

Integrates with dozens of Acquirers and Payment Gateways to ensure greater settlement success

Converged commerce – online, in-app, MOTO and Open Banking via one system for enhanced customer experience

EMV 3-D Secure (3DS2) functionality out-of-the-box to increase security

Hosted Payment Fields for freedom in terms of branding and style

Secure token vault for safely storing card data for repeat use

A single, centralised portal for management and reporting to streamline visibility and reduce time

Includes Encoded’s Patent Pending Fraud Protection Platform and ensures PCI DSS compliance for increased customer security

FAQ’s

Frequently Asked Questions

What is a Payment Orchestration platform?

What is the difference between payment orchestration and a payment gateway?

The main function of a payment gateway is to securely transmit transaction data between the merchant, the customer, and the payment processor or acquiring bank. It focuses on transaction processing, authorisation, and settlement.

What payment methods does it support?

payment-method-routing

How does this compare with a payment gateway?

Payment gateways typically support a limited set of payment methods, including major credit cards and possibly a few alternative payment methods.

Does payment orchestration enable integration with existing and/or new systems?

Businesses can quickly expand to new markets and support multiple currencies, payment methods, and languages, helping increase global reach.

How does payment orchestration help protect against fraud and ensure security?

What about PCI DSS compliance?

What difference does payment orchestration make to the customer experience?

How does payment orchestration reduce transaction costs?

How is a payment orchestration implemented?

Encoded’s payment orchestration layer is placed in front of your current gateway.

Need help?

Contact us on 01293 229 700 or book a call to learn how payment orchestration can provide frictionless payments, improving customer experience and reducing payment costs.

SERVICES

Payment solutions for contact centres

Our suite of payment solutions for contact centres include Gateway Services, IVR, Agent Assisted Payments with Fraud Prevention Platform, eCommerce Payments and SMS PayByLink.

IVR Payments

Interactive Voice Response Payments (IVR Payments) is a method that allows callers to enter their card data via touch tones. This self-service process enables debit and credit card payments to be handled 24/7.

Learn more

PayByLink

Designed for large corporates, Encoded’s PayByLink service offers a fast, hassle-free method of sending a one-time-use short code link to a customer’s phone or email address which can then be used to open a simple payment form.

Learn more

Agent Assisted Payments

Agent Assisted Payments enable your contact centre agents to process card payments without being exposed to sensitive card data. Customers use their telephone’s touch-tone keypad to tap in their card details while remaining in conversation with the agent throughout the transaction.

Learn more

eCommerce Payments

Enabling your customers to securely transact through your website. Encoded eCommerce Payments provide contact centre customers with secure checkout options online and on the go. Encoded creates online pages to match a company’s individual site designs, to keep the customer experience (CX) as seamless and secure as possible.

Learn more

Gateway Services

A Gateway is the bridge between merchants, acquirers and banks, whatever the payment channel. A top priority for every business is cash flow. This means ensuring that payments are processed effectively and ideally first time around.

Learn more

SMS Chat

SMS is widely accepted as a non-intrusive, convenient method of communication. Encoded offers a feature rich, highly secure customer engagement messaging solution. As well as SMS and Voice, Encoded’s solution also integrates with many other messaging services such as Facebook messenger.

Learn more

RESOURCES

Download our guides

Secure Contact Centre Payments brochure

Download brochure

Ultimate guide to Payment Orchestration

Download guide

Making Outsourcing Pay white paper

Download white paper

WHAT THEY SAY

What our customers say about us

“We needed to offer our members both fast and secure Payment Card Industry Data, Security Standard (PCI DSS) compliant payment methods and advanced e-commerce capabilities using automated technology. Encoded had done their homework and cared about our members and our business, even suggesting additional creative ways to use Encoded technology. From the outset, it was clear they were exploring new ideas to help us work even smarter.”

Karen Coates, Chief Operations Officer, The Wine Society

“We handle hundreds of thousands of calls every year that demand a broad knowledge of financial and legal matters as well as general property maintenance issues. Encoded presented a sound proposal that promised to deliver round-the-clock efficiencies in a cost effective package. The final overall approach and sophisticated IVR technology proved to be the perfect answer to our business problems.”

Tracey McCabe, Head of Customer Service, First Port Property Management

“We decided to refresh the online experience in response to customer demand and changes in the industry. It was a moment of clarity – Encoded was already handling our secure payments with data being fed into our billing system. We needed to create a front-end link so that customers could access this information themselves, rather than relying on speaking to an agent every time they wanted to make a payment or a change to their account details.”

Business Optimisation Manager,
Severn Trent Water

“One of the key reasons for choosing Encoded was to improve the team’s experience of managing large scale migrations from legacy payment systems. With Encoded’s in-depth knowledge of data security, PCI DSS compliance and the latest payment regulations, JT had confidence that the integration would be carried out within the project timescales and to budget.”

Tim Peach, Finance Operations Manager, Jersey Telecom

“From the outset, it was evident that Encoded grasped our requirements for an easy to deploy, fully transparent solution that could integrate seamlessly with our own IT systems. What is more, Encoded offered us a solid and highly scalable platform that promised to drive efficiencies whilst delivering the personal touch to those callers who needed it most.”

Collections and Recovery Department, One Savings Bank

“Along with the simplicity and highly configurable nature of Encoded’s solution, we were impressed by everyone’s professional, can-do attitude backed up by excellent support. Encoded offered a truly scalable solution that could grow with our business. In particular we trusted Encoded to support new ventures such as flexecash® which has already been adopted by a number of high street retailers.”

June Potts, Head of Customer Contact, Park Group

“Tens of thousands of calls relating to payment and meter reads are handled by sophisticated technology provided by Encoded. Encoded’s solutions have supported our business from day one, having been selected from a shortlist of four vendors for its ease of use, speedy implementation and cost-efficiency.”

Shell Energy

“Today, around 10% of all our sales are made using credit or debit card transactions. Our job is to make it easy for customers to pay for services swiftly and securely. Encoded listened carefully to our requirements, made sensible recommendations along the way and even adapted the technology to suit us. The whole experience ran smoothly and we were impressed by their level of knowledge and understanding of our business.”

Peter Doyle, Risk Manager,
Health-on-line