Introduction

Introduction

Introduction

Introduction

Introduction

How Stripe’s Native Orchestration and FlyCode’s AI Layer Unlock Next‑Level Payment Orchestration

How Stripe’s Native Orchestration and FlyCode’s AI Layer Unlock Next‑Level Payment Orchestration

How Stripe’s Native Orchestration and FlyCode’s AI Layer Unlock Next‑Level Payment Orchestration

How Stripe’s Native Orchestration and FlyCode’s AI Layer Unlock Next‑Level Payment Orchestration

Payment Orchestration

Stripe Payment Orchestration

multiple payment processors

Tzachi Davidovich

May 8, 2025

OK, so this just happened… Stripe just mentioned FlyCode on their Payment Roadmap session


The secret is out. FlyCode partnered with Stripe as one of the first design partners globally for their new Payment Orchestration product. It’s a new revenue opportunity and a growth lever for merchants

As someone who’s been in FinTech for 10+ years, I can say this is a pivotal moment in payments.


A New Chapter in Payments Optimization

At Stripe Sessions last week, Stripe announced the private‑preview launch of Stripe Orchestration and gave FlyCode a shout‑out on stage as one of its first global design partners. For us, this is more than a product announcement—it is confirmation that the industry is ready to move from static, rule‑based routing to dynamic, AI‑driven optimization. 

👉 The details: Stripe previewed Stripe Orchestration, which allows you to easily manage multiple payment processors with full control and visibility, from right within Stripe.

It means that other payment providers like Adyen, Braintree, Worldpay, Checkout and the rest will be connected natively to process payments.
Until now, Payment Orchestration was hard to integrate, optimize and scale

Why Payment Orchestration Matters

“Orchestration” simply means automating and coordinating multiple components to achieve a better outcome. In payments, that translates into four essential capabilities: 

  1. Connections to multiple processors or acquirers within each market, giving merchants real redundancy and flexibility.

  2. A single integration layer that exposes geographies, payment methods, and value‑added services through one API and dashboard.

  3. Transaction‑level optimization—tokenization, decline‑management, smart retries, and other tools that lift authorization rates and reduce costs.

  4. Dynamic smart routing that can shift traffic among processors in real time based on cost, performance, or risk signals.

Historically these capabilities lived in pure‑play orchestration platforms such as Spreedly, Gr4vy, IXOPay, and others. PSPs (payment service providers) like Stripe, Adyen, and Checkout.com offered their own global acquiring stacks but routed all transactions inside their network. With Stripe now exposing multi‑acquirer routing natively, the line between PSP and orchestrator is starting to blur.

To optimize payments across providers, you had to:

Integrate with a 3rd-party orchestrator (and deal with limitations)
❌ Manage multiple PSP integrations and their billing ops (nightmare)
❌ Lose access to some native PSP capabilities
❌ Build your own rules and benchmarking tools internally
❌ Manually compare auth and recovery rates (ouch)

With the new Stripe Orchestration:

No integration with multiple PSPs (hard to believe, right?)
✅ One consolidated view, right in Stripe
✅ Native benchmarking: auth rate, recovery, and more
✅ Flexible routing, better redundancy, and lower processing costs (but you’ll pay a subscription fee on this new product)
✅ Move from a simple rule based setups to specialized models that optimize payments with FlyCode.

It's a mindset shift from cost-cutting and local payment processing to AI-driven payment optimization with FlyCode.

Inside Stripe Orchestration (Private Preview)

Stripe’s new orchestration layer lets merchants route payments to any Stripe‑supported third‑party processor from the familiar PaymentIntents API and dashboard. Key launch features include: 

  • Multi‑processor routing without writing a single new integration.

  • Performance analytics that benchmark auth and recovery rates across processors.

  • Sandbox testing so teams can A/B test rules safely.

  • Unified refunds—issue refunds from Stripe even when another PSP processed the original sale.

Current limitations

  • Cards only (no APMs yet) and not yet available for Link, Capital, or Connect. 

  • Early‑stage feature set—powerful for basic routing and benchmarking, but not yet at parity with best‑of‑breed orchestrators.

  • Stripe‑centric—merchants must still use Stripe as a primary processor to gain access.

👉 The future?

People miss out on how payments can be exciting :)
Like in other areas, Infrastructure is getting commoditized while intelligence and optimization is becoming the differentiator. I’m excited that FlyCode is the front line of this.

With Stripe and multiple payment processors as Infrastructure, FlyCode is sitting on top as the “brain” and decisioning engine to power the future of payment optimization 🫶

We’ve built agents to help you test, optimize, and dynamically benchmark performance

At FlyCode, we are re-imagining payment infrastructure optimization for the AI era, combining cutting-edge machine learning with specialized revenue intelligence, building the AI layer for payments.


On a personal note: working closely with the Stripe Payment Orchestration team over the past few months has been inspiring. As a product person, I saw first-hand how they innovate: constant iterations, deep customer collaboration, humility and insane talent. It’s like watching a mini startup inside Stripe. Thank you for the partnership, and good luck on the road ahead 💜

It's a net-new revenue layer: by lifting authorization rates and recover failed payments, orchestration plus FlyCode’s AI turns payments into fresh top-line growth.

Introduction

Introduction

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

What is Stripe’s Payment Orchestration and how is it different from traditional PSPs?

Traditional PSPs (like Stripe, Adyen, or Checkout.com) process payments on their own rails. Stripe Orchestration allows you to route transactions to other PSPs (from within Stripe) without managing multiple integrations.

What is Stripe’s Payment Orchestration and how is it different from traditional PSPs?

Traditional PSPs (like Stripe, Adyen, or Checkout.com) process payments on their own rails. Stripe Orchestration allows you to route transactions to other PSPs (from within Stripe) without managing multiple integrations.

What is Stripe’s Payment Orchestration and how is it different from traditional PSPs?

Traditional PSPs (like Stripe, Adyen, or Checkout.com) process payments on their own rails. Stripe Orchestration allows you to route transactions to other PSPs (from within Stripe) without managing multiple integrations.

What is Stripe’s Payment Orchestration and how is it different from traditional PSPs?

Traditional PSPs (like Stripe, Adyen, or Checkout.com) process payments on their own rails. Stripe Orchestration allows you to route transactions to other PSPs (from within Stripe) without managing multiple integrations.

What is Stripe’s Payment Orchestration and how is it different from traditional PSPs?

Traditional PSPs (like Stripe, Adyen, or Checkout.com) process payments on their own rails. Stripe Orchestration allows you to route transactions to other PSPs (from within Stripe) without managing multiple integrations.

What does FlyCode do on top of Stripe Orchestration?

FlyCode acts as the decision layer. It analyzes real-time data (card type, region, error codes, PSP performance) and dynamically routes payments for the highest chance of approval — across all supported processors.

What does FlyCode do on top of Stripe Orchestration?

FlyCode acts as the decision layer. It analyzes real-time data (card type, region, error codes, PSP performance) and dynamically routes payments for the highest chance of approval — across all supported processors.

What does FlyCode do on top of Stripe Orchestration?

FlyCode acts as the decision layer. It analyzes real-time data (card type, region, error codes, PSP performance) and dynamically routes payments for the highest chance of approval — across all supported processors.

What does FlyCode do on top of Stripe Orchestration?

FlyCode acts as the decision layer. It analyzes real-time data (card type, region, error codes, PSP performance) and dynamically routes payments for the highest chance of approval — across all supported processors.

What does FlyCode do on top of Stripe Orchestration?

FlyCode acts as the decision layer. It analyzes real-time data (card type, region, error codes, PSP performance) and dynamically routes payments for the highest chance of approval — across all supported processors.

Can I use FlyCode’s orchestration AI without switching processors?

Yes. FlyCode works with your existing PSP(s), including Stripe, and doesn’t require switching your payment provider.

Can I use FlyCode’s orchestration AI without switching processors?

Yes. FlyCode works with your existing PSP(s), including Stripe, and doesn’t require switching your payment provider.

Can I use FlyCode’s orchestration AI without switching processors?

Yes. FlyCode works with your existing PSP(s), including Stripe, and doesn’t require switching your payment provider.

Can I use FlyCode’s orchestration AI without switching processors?

Yes. FlyCode works with your existing PSP(s), including Stripe, and doesn’t require switching your payment provider.

Can I use FlyCode’s orchestration AI without switching processors?

Yes. FlyCode works with your existing PSP(s), including Stripe, and doesn’t require switching your payment provider.

How does this setup reduce processing costs?

The pros are strategic redundancy:  if one gateway fails because of a cyberattack, technical issue, or routine maintenance, another can take over so transactions can continue without interruption. 

Global market penetration: each payment gateway supports different currencies, regions, and local payment methods. 

Competitive routing: by employing advanced routing algorithms, businesses can dynamically select the most cost-effective gateway for each transaction based on real-time fee assessments. 

Approval ratios: Different payment gateways have different relationships with financial institutions and their underlying technology, which affect transaction approval rates.

Consumer preferences: different consumers have divergent preferences and trust levels with various payment methods and gateways. 

Risk mitigation and compliance: because different gateways often have varied security features and adhere to regional regulations, such as GDPR in Europe or CCPA in California, using multiple gateways allows businesses to diversify their risk and maintain continuous compliance with regulatory standards across borders.

How does this setup reduce processing costs?

The pros are strategic redundancy:  if one gateway fails because of a cyberattack, technical issue, or routine maintenance, another can take over so transactions can continue without interruption. 

Global market penetration: each payment gateway supports different currencies, regions, and local payment methods. 

Competitive routing: by employing advanced routing algorithms, businesses can dynamically select the most cost-effective gateway for each transaction based on real-time fee assessments. 

Approval ratios: Different payment gateways have different relationships with financial institutions and their underlying technology, which affect transaction approval rates.

Consumer preferences: different consumers have divergent preferences and trust levels with various payment methods and gateways. 

Risk mitigation and compliance: because different gateways often have varied security features and adhere to regional regulations, such as GDPR in Europe or CCPA in California, using multiple gateways allows businesses to diversify their risk and maintain continuous compliance with regulatory standards across borders.

How does this setup reduce processing costs?

The pros are strategic redundancy:  if one gateway fails because of a cyberattack, technical issue, or routine maintenance, another can take over so transactions can continue without interruption. 

Global market penetration: each payment gateway supports different currencies, regions, and local payment methods. 

Competitive routing: by employing advanced routing algorithms, businesses can dynamically select the most cost-effective gateway for each transaction based on real-time fee assessments. 

Approval ratios: Different payment gateways have different relationships with financial institutions and their underlying technology, which affect transaction approval rates.

Consumer preferences: different consumers have divergent preferences and trust levels with various payment methods and gateways. 

Risk mitigation and compliance: because different gateways often have varied security features and adhere to regional regulations, such as GDPR in Europe or CCPA in California, using multiple gateways allows businesses to diversify their risk and maintain continuous compliance with regulatory standards across borders.

How does this setup reduce processing costs?

The pros are strategic redundancy:  if one gateway fails because of a cyberattack, technical issue, or routine maintenance, another can take over so transactions can continue without interruption. 

Global market penetration: each payment gateway supports different currencies, regions, and local payment methods. 

Competitive routing: by employing advanced routing algorithms, businesses can dynamically select the most cost-effective gateway for each transaction based on real-time fee assessments. 

Approval ratios: Different payment gateways have different relationships with financial institutions and their underlying technology, which affect transaction approval rates.

Consumer preferences: different consumers have divergent preferences and trust levels with various payment methods and gateways. 

Risk mitigation and compliance: because different gateways often have varied security features and adhere to regional regulations, such as GDPR in Europe or CCPA in California, using multiple gateways allows businesses to diversify their risk and maintain continuous compliance with regulatory standards across borders.

How does this setup reduce processing costs?

The pros are strategic redundancy:  if one gateway fails because of a cyberattack, technical issue, or routine maintenance, another can take over so transactions can continue without interruption. 

Global market penetration: each payment gateway supports different currencies, regions, and local payment methods. 

Competitive routing: by employing advanced routing algorithms, businesses can dynamically select the most cost-effective gateway for each transaction based on real-time fee assessments. 

Approval ratios: Different payment gateways have different relationships with financial institutions and their underlying technology, which affect transaction approval rates.

Consumer preferences: different consumers have divergent preferences and trust levels with various payment methods and gateways. 

Risk mitigation and compliance: because different gateways often have varied security features and adhere to regional regulations, such as GDPR in Europe or CCPA in California, using multiple gateways allows businesses to diversify their risk and maintain continuous compliance with regulatory standards across borders.

If Stripe is still the primary processor, is this true orchestration?

Technically, it's hybrid. You’re still anchored to Stripe, but gaining orchestration-like control over routing. It’s a big step forward — especially when combined with FlyCode’s AI — but it’s not full processor-agnostic orchestration (yet).

If Stripe is still the primary processor, is this true orchestration?

Technically, it's hybrid. You’re still anchored to Stripe, but gaining orchestration-like control over routing. It’s a big step forward — especially when combined with FlyCode’s AI — but it’s not full processor-agnostic orchestration (yet).

If Stripe is still the primary processor, is this true orchestration?

Technically, it's hybrid. You’re still anchored to Stripe, but gaining orchestration-like control over routing. It’s a big step forward — especially when combined with FlyCode’s AI — but it’s not full processor-agnostic orchestration (yet).

If Stripe is still the primary processor, is this true orchestration?

Technically, it's hybrid. You’re still anchored to Stripe, but gaining orchestration-like control over routing. It’s a big step forward — especially when combined with FlyCode’s AI — but it’s not full processor-agnostic orchestration (yet).

If Stripe is still the primary processor, is this true orchestration?

Technically, it's hybrid. You’re still anchored to Stripe, but gaining orchestration-like control over routing. It’s a big step forward — especially when combined with FlyCode’s AI — but it’s not full processor-agnostic orchestration (yet).

Do I need to code anything to enable this?

No. Both Stripe Orchestration and FlyCode’s AI layer are designed to be no-code or low-code. If you're using Stripe’s PaymentIntents API, you’re already compatible.

Do I need to code anything to enable this?

No. Both Stripe Orchestration and FlyCode’s AI layer are designed to be no-code or low-code. If you're using Stripe’s PaymentIntents API, you’re already compatible.

Do I need to code anything to enable this?

No. Both Stripe Orchestration and FlyCode’s AI layer are designed to be no-code or low-code. If you're using Stripe’s PaymentIntents API, you’re already compatible.

Do I need to code anything to enable this?

No. Both Stripe Orchestration and FlyCode’s AI layer are designed to be no-code or low-code. If you're using Stripe’s PaymentIntents API, you’re already compatible.

Do I need to code anything to enable this?

No. Both Stripe Orchestration and FlyCode’s AI layer are designed to be no-code or low-code. If you're using Stripe’s PaymentIntents API, you’re already compatible.

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Giving Back

Partnering with organizations that promote women in technology and families in need is something we are proud to do.

Text graphic displaying "SPE CODES; NEXT LEVEL" in a bold, stylized font on a solid background.
Logo featuring a stylized text "Catching" with an orange accent, set against a simple background.

2025 FlyCode © All Right Reserved.

Giving Back

Partnering with organizations that promote women in technology and families in need is something we are proud to do.

Text graphic displaying "SPE CODES; NEXT LEVEL" in a bold, stylized font on a solid background.
Logo featuring a stylized text "Catching" with an orange accent, set against a simple background.

2025 FlyCode © All Right Reserved.