# Reduce processing costs: send each payment where it costs the least

Orchestrapay lowers what you pay per card payment by routing each card to the
processor that prices it best, processing cards locally to avoid cross-border
fees, and keeping a second processor live so your rate stays negotiable.

Page: https://www.orchestrapay.com/solutions/reduce-processing-costs

## Inside one card payment

| Fee | Paid to | What moves it |
| --- | --- | --- |
| Interchange | The card's issuing bank | Fixed for a given card; Card Attributes show it before routing |
| Scheme fees | Visa or Mastercard | Fixed for a given card and region |
| Acquirer markup | Your processor | Routing each card to the best-priced processor; negotiating with a second one |
| Cross-border fee | Network and acquirer | Processing the card with an acquirer in its own region |
| Currency conversion | Whoever converts | Routing a currency to a processor that settles in it |
| Failed attempts | Your processor | Network tokens and account updater keep stored cards current |

## The levers

- Smart Routing by BIN, country, currency or amount.
- Local processing to make payments domestic.
- Percentage load balancing to keep a second processor live.
- Acquirer Network: one application to 40+ acquirers.
- Card Attributes: debit or credit, consumer or commercial, domestic or foreign.
- Network Tokens: fewer failed, billed attempts.

## Pricing

Orchestration is $199/month plus 0.50% of successful payments, on top of
processor fees. See https://www.orchestrapay.com/pricing.md.

## Related

- [Smart Routing](https://www.orchestrapay.com/products/smart-routing.md)
- [Acquirer Network](https://www.orchestrapay.com/products/acquirer-network.md)
- [Card Attributes](https://www.orchestrapay.com/products/card-attributes.md)
- [Talk to sales](https://www.orchestrapay.com/contact)