# Payments for e-commerce and retail

Higher checkout conversion across markets. Orchestrapay adds Apple Pay and Google Pay on any processor, cascades declined orders to a backup processor, and keeps fraud and chargebacks in check.

Page: https://www.orchestrapay.com/industries/ecommerce

## Turn more carts into paid orders.

Every decline at checkout is a customer who already chose you. Orchestrapay gives each order more than one chance to be approved, and the wallets shoppers expect, on any processor.

## Where checkouts lose orders.

- **Good customers get declined.** A soft decline on one processor is often an approval on another, but with one processor the order is simply lost. Fixed by [Reduce declines](https://www.orchestrapay.com/solutions/reduce-declines.md): Route by country, amount, currency or BIN, and cascade declines to a backup processor.
- **Shoppers want to pay with their phone.** Typing a card number on mobile is where many carts are abandoned. Fixed by [Apple Pay & Google Pay](https://www.orchestrapay.com/products/apple-pay-google-pay.md): Accept wallets once and route them to whichever processor you choose.
- **Fraud and chargebacks eat the margin.** Stolen cards and friendly fraud turn into chargebacks, fees and, eventually, a monitoring program. Fixed by [Antifraud Engine](https://www.orchestrapay.com/products/antifraud.md): Score every payment and step up to 3D Secure only where the risk is.
- **Every processor fee is a margin decision.** Sending every order through one processor means paying one price list, whatever the card. Fixed by [Reduce processing costs](https://www.orchestrapay.com/solutions/reduce-processing-costs.md): Send each payment to the processor where it costs the least.

## From cart to paid order, on the processor that says yes.

1. **Drop in the payment form.** Cards, Apple Pay and Google Pay in one hosted or embedded form, with card data kept off your servers.
2. **Route each order.** Your routing rules pick the processor by country, amount, currency or BIN, and set when to ask for 3D Secure.
3. **Recover the declines.** If the first processor says no, the order cascades to the next one in the same checkout.

## FAQ

**Do I need to rebuild my checkout?** No. Embed the Orchestrapay payment form or use the React SDK. One integration gives you every processor you connect.

**Will the customer notice a retry?** No. A cascade to another processor happens inside the same checkout, so the shopper sees one payment.

**Which processors can I connect?** Card processors including Stripe, Worldpay, Authorize.net, the Mastercard Gateway, Airwallex and PayPal, plus the accounts you open through the Acquirer Network.

**Does this help with PCI DSS?** Yes. Cards are captured in an isolated form we host, so card numbers never touch your servers.

**Can I accept payments in several currencies?** Yes. Route by currency to the processor account that settles it, so each market is charged in its own currency.

## Related

- [Smart Routing](https://www.orchestrapay.com/products/smart-routing.md)
- [Apple Pay & Google Pay](https://www.orchestrapay.com/products/apple-pay-google-pay.md)
- [Chargeback Alerts](https://www.orchestrapay.com/products/chargeback-alerts.md)
- [Talk to sales](https://www.orchestrapay.com/contact)