Never depend on one processor
If Stripe freezes your account tomorrow, you keep taking payments.
Run on more than one processor, with failover drawn in advance and saved cards you own. When one says no, the others are already taking the payments.
- StripeActive60%
- WorldpayActive25%
- Authorize.netActive15%
Why it happens
Processors freeze accounts for reasons you do not control.
It is rarely about fraud on your side. It is usually a risk review, on the processor's schedule.
A spike in disputes
A bad batch of orders or a fraud attack pushes your chargeback rate up, and the processor pauses you while it reviews.
Growing too fast
Volume jumps after a launch or a viral week, and the processor's risk team holds funds until it understands why.
A review of what you sell
Your category, a new product line or a single complaint triggers an underwriting review you did not ask for.
A change in their rules
The processor changes its policies or exits a market, and accounts like yours are closed on its timeline, not yours.
The day your processor says no
The same morning, with one processor and with several.
One processor: Every checkout starts failing at once.
With Orchestrapay: Failed payments follow your failover rules and move to your backup processors.
One processor: Revenue drops to zero while support tickets pile up.
With Orchestrapay: Payments are approved on your other processors. Customers notice nothing.
One processor: Saved cards sit in the frozen processor's vault, out of reach.
With Orchestrapay: Saved cards live in your Orchestrapay vault and charge on the processors still running.
One processor: Weeks of applications to new processors, starting from a blank form.
With Orchestrapay: Your KYC is already on file. One application goes out to 40+ acquirers, and the new account plugs into your routing.
How it works
Redundant in three steps, without leaving your processor.
Keep your processor
Connect the account you have today. Nothing about your checkout has to change.
Add a second
Open backup merchant accounts through the Acquirer Network, or connect ones you already hold.
Draw the failover
Send outages and declines from one processor to the next in the routing builder, and split live traffic so backups stay warm.
Questions teams ask before they switch.
With a second processor connected, payments that fail on the frozen account follow the failure path you set in your routing rules and are retried on your backup processor, in the same checkout.
Find out how exposed you are today.
Tell us which processor you depend on and what you sell. We will show you which backup accounts you can open, and how failover would work for your volume.
- Keep your current processor
- Backup accounts from one KYC application
- A transparent number before you sign anything