Payment Orchestration
Encoded’s payment orchestration platform is a single software layer that enables secure, frictionless, online payment processing from payer to payee.
- 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
Our Acquirer and Gateway Integrations
Our Acquirer and Gateway Integrations
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.
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.
Why Encoded?
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.
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.
What are the Key Features of Payment Orchestration ?
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.
Enables global reach and support
Optimises transaction routing
Enhances security and compliance
Key Features of Encoded’s Payment Orchestration Layer
Increases customer choice by offering multiple payment methods APM’s, ApplePay, Google Pay, open banking or a mix
Saves money with dynamic acquirer selection for least-cost routing and acquiring
Helps developers retain control of the look & feel of e-commerce pages with Hosted Payment Fields
Improves security and reduces cost of compliance by reducing and eliminating PCI DSS scope
Enables faster settlement, reduced transaction costs and improved cashflow through a single provider
Improved customer experience (CX) with seamless integration with Encoded’s entire suite of payment solutions
- 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
Frequently Asked Questions
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?
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.
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?
How does this compare with a payment gateway?
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?
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.
PayByLink
Agent Assisted Payments
eCommerce Payments
Gateway Services
Download our guides
Secure Contact Centre Payments brochure
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
LATEST NEWS
Payment Orchestration articles you may be interested in
How to boost payment card security and customer confidence
Cross-generational fears over security are triggering new payment trends that potentially threaten the advent of a...
What’s Ahead in 2024 – Encoded’s Top Three Predictions for Payments
Payment technologies are continually innovating to find faster, easier, and importantly, more secure, ways for...
Encoded Approved as Visa Direct Preferred Partner
Encoded, a leading provider of payment orchestration and gateway solutions, today announced its new partnership with...
Speak to the team
To discover how our secure payment solutions can free up your contact centre agents' time allowing them to focus on customer service, more complex enquiries and revenue-generating activities.