Orchestra integrates Open Banking payments alongside 90+ traditional payment providers through a single unified API. Instead of managing separate Open Banking API implementations and card processor integrations, Orchestra consolidates bank-to-bank payments with your complete payment infrastructure, enabling you to offer direct account debits while maintaining seamless fallback to cards and alternative payment methods through one integration.
Key Integration Benefits
- Automatic failover if Open Banking experiences downtime – Seamlessly redirect customers to card payments when bank connectivity issues occur
- Route transactions based on cost, performance, or business rules – Direct high-value transactions through low-cost Open Banking while routing smaller amounts to cards
- Unified user experience across all providers – Offer standardized payment processes and user experiences from Open Banking and traditional payment options through Orchestra’s consolidated system
About Open Banking
Open Banking enables direct bank-to-bank transfers across the US, UK and EU, offering significantly lower transaction costs than card payments while providing instant payment confirmation. With regulatory backing and growing consumer adoption, Open Banking processes billions in transactions annually with strong authentication through established banking relationships and reduced fraud risk.
How Orchestra Works with Open Banking
Orchestra incorporates Open Banking to your payment stack through a single JS integration that handles all payment options. With Orchestra Library, you get a unified payment experience with pre-built UI components offering rapid deployment to different regions.
This unified approach is particularly valuable for businesses seeking to reduce payment processing costs while maintaining payment reliability. Orchestra abstracts the complexity of Open Banking’s multi-step authentication flows and varying bank API implementations, presenting customers with streamlined bank selection while your system maintains consistent transaction handling. When Open Banking payments fail due to bank downtime or customer authentication issues, the payer can be redirected to alternative payment methods options without requiring separate integration work from your development team.
Related Orchestra Features
- Payment Routing Optimization – Route high-value transactions to your lowest-cost processors
- Payment Method Orchestration – Present Open Banking alongside digital wallets and regional methods
