
Payment gateway integration challenges drain engineering time and multiply technical debt. This article breaks down the five most common problems, from API fragmentation to PCI scope creep, and shows how a payment orchestration layer addresses each one.

Payment orchestration with tokenization reduces PCI DSS scope from 328 SAQ D requirements to 31 SAQ A requirements, while centralizing vendor risk assessment and simplifying multi-jurisdictional compliance across PSD2, GDPR, and regional SCA mandates.

Manual payment processing costs businesses $12-40 per transaction and creates errors in 39% of invoices. Payment workflow automation reduces these costs by 70-90% while eliminating the operational burden that keeps engineering teams from building your core product.