Feature

Schedule & recover payments. Through one API.

Define future and recurring charges, receive a result for every scheduled attempt, and recover eligible failures through your configured payment paths.

A $240 payment scheduled for 21 October at 09:00; when the time is reached, Orchestra runs it and the payment is approved
A $240 payment scheduled for 21 October at 09:00; when the time is reached, Orchestra runs it and the payment is approved

Payment schedules

Define the dates. Orchestra triggers the charges.

Create one-time future charges, fixed installments, or recurring payments. Orchestra runs each charge automatically.

Building a schedule: one-time, installments or monthly; a monthly plan of 16 payments of $89 from 5 October
Building a schedule: one-time, installments or monthly; a monthly plan of 16 payments of $89 from 5 October

Contract status

Check any plan’s progress.

Scheduled payments run in the background. Check a contract’s progress at any time through the API: status, payments taken so far, last payment date and next due date.

Fallback order

Set the provider order. We follow it.

Name a primary PSP and any ordered fallback list. After a failure, Orchestra moves down the list until one succeeds or the list is exhausted.

Payment #1042 for $240: the primary provider is unavailable, the backup provider approves and the next backup is not needed
Payment #1042 for $240: the primary provider is unavailable, the backup provider approves and the next backup is not needed
After an insufficient funds decline, the retry runs at a selected time; guarantee if eligible
After an insufficient funds decline, the retry runs at a selected time; guarantee if eligible

Insufficient funds

Retry at a better time.

For eligible transactions, a partner model selects the retry time with the highest likelihood of available funds.

Some eligible transactions may also be guaranteed.

Teams that bill on a schedule

SaaS portfolio

Rebilling rules and timing are configured once and Orchestra runs the charges on schedule. Stored cards work with a new processor immediately, with no re-collection from subscribers.

Healthcare SaaS

Automated monthly billing for 2,800+ medical practices across currencies and payment methods, with failover to a backup processor during a four-hour outage.

Invoicing platform

Recurring invoices charge cards stored in Orchestra’s token vault, on schedules the platform defines, through the processor it specifies.

Build it

Create a contract. Orchestra runs the schedule.

Tokenize the card once, then create a payment contract against a schedule template. Pause, resume, update or cancel it through the API.

curl -X POST https://api.orchestrasolutions.com/PaymentContract \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: YOUR_API_KEY" \
  -d '{
    "templateId": "tmpl_monthly_standard",
    "name": "Acme Corp monthly plan",
    "tokenId": "token-from-previous-step",
    "startDate": "2026-11-01",
    "maxOccurrences": 12,
    "chargeRequestData": {
      "amount": 29.00,
      "currency": "EUR",
      "myRef": "sub-4821",
      "orderDesc": "Standard plan, monthly",
      "cardHolderName": "Jane Smith",
      "expirationMonth": 12,
      "expirationYear": 2027
    }
  }'

Create a 12-payment monthly contract. From the scheduled payments guide.

Go deeper on recurring payments

  • Subscription Payment Processing: Boost Revenue & Retention

    Subscription businesses lose 10% of recurring revenue annually to failed payments. Learn how subscription payment processing infrastructure impacts revenue retention and what…

     
  • Payment Retry Cascades: Decline Codes, Timing, and When to Stop Retrying

    Payment retry cascades route declined transactions through alternate processors. Decline code classification, retry timing, and when to stop retrying.

     
  • Authorization Rate Optimization: How Orchestration Recovers Lost Revenue

    Authorization rate optimization recovers revenue you already earned. How intelligent routing, cascading retries, and local acquiring turn declined transactions into approved ones.

     

More from the same API.

Test the lifecycle

Create a schedule. Test every result.

100 live requests every month, plus unlimited sandbox testing. No credit card required.

Sandbox unlimited testing | Live 100 requests / month