Merchant
PSP 1
First, a single PSP is connected. Simple, predictable — for now.
Payment Orchestration Platform
Control every payment in one place.
Smart routing, automatic failover, one integration. P26M connects you to 10+ PSPs and lifts approve rate from ~82% to 95%+, adding 5–15% to revenue without touching your product code.
PCI DSS v4.0.1 ready
10+ PSPs
95%+ approve
Auto failover
app.p26m.com/dashboard
Live transactions
Today · May 24, 2026
Approve rate
95.4%
+2.1 vs Mon
Volume
$2.34M
+8.4 today
Avg latency
312ms
−18 ms
Throughput by PSP
UPC
Hutko
Failover triggered
+€480
The reality today
Payment infrastructure grows by accident, not by design.
Companies start with one PSP. Then add a second for stability. Then a third for a new market. Each provider brings its own API, its own reports, its own exceptions — and the integration debt compounds.
Merchant
PSP 1
PSP 2
A second PSP joins to lift approve rate. Two integrations, two reconciliation flows.
Merchant
PSP 1
PSP 2
PSP 3
PSP 4
More PSPs follow — by market, by method, by vertical. Four integrations, four sets of bugs.
Lost transactions to declines
A single-PSP setup typically declines ~18% of valid payments. That is revenue, walking out the door.
Vendor lock-in
When the provider raises fees, breaks an API, or experiences downtime — you have no alternative ready.
No central oversight
Reports live in four dashboards, settlement files in four formats, and finance reconciles by hand.
Scaling means more integrations
Each new market, currency, or method demands another 2–3 months of engineering — and your team is already full.
Orchestration delivers
+5–15% extra revenue
From smarter routing alone. P26M re-routes declined transactions instantly and picks the optimal PSP for every payment — recovering money that would otherwise be lost.
95%+ approve rate vs ~82% with a single PSP- Manual routing — hard-coded per PSP, fragile on failure
- Provider lock-in — each PSP downtime is your downtime
- Fragmented analytics — every PSP reports in its own format
- Linear costs — each new PSP = $5–10k integration + $1.6–3.2k / month
- Smart routing — cheapest / fastest PSP picked per transaction
- One integration — connect once, gain access to every PSP
- Unified analytics — a single reconciled view of every payment
- Fixed costs — add PSPs in 1–3 days at no marginal cost
Where every % of conversion is money
Built for industries where payments are the product.
Six segments where orchestration moves more revenue per dollar of engineering — and where P26M customers ship the fastest.
01
E-commerce & marketplaces
High volume, low margin, and conversion-sensitive. Every recovered transaction is direct revenue.
Volume + conversion
02
Fintech & lending
Approval rates govern unit economics. Smart routing recovers borrowers who would otherwise drop off.
Approve-rate sensitive
03
iGaming & betting
Multi-PSP is mandatory by regulation and risk. P26M gives you one stack to manage all of them.
Multi-PSP required
04
SaaS & subscriptions
Recurring charges decline silently. Automatic retries through the next-best PSP keep MRR intact.
Recurring rescue
05
Travel & mobility
Cross-border bookings span currencies, methods, and acquirers. One integration covers all of them.
Cross-border
06
Digital platforms
Marketplaces and creator platforms need split payouts, multi-currency, and rapid PSP additions.
Complex scenarios
What the platform does
Four capabilities that move the needle.
Smart routing, automatic failover, unified integration, and accelerated time-to-launch — designed for revenue, not just connectivity.
Smart routing
Every transaction is automatically sent through the cheapest or fastest PSP — based on amount, currency, BIN, time of day, and live PSP health. The result: higher approve rates and lower fees, without anyone writing rules by hand.
Automatic failover
If PSP 1 fails, the transaction switches to PSP 2 in milliseconds. No customer sees an error, no engineer is paged.
One integration
Implement a single payment form, gain access to every PSP we support. No code changes when we add a new provider.
Ship new methods in days, not months
Adding a new PSP or payment method goes from 2–3 months of engineering to 1–3 days of configuration. Your team focuses on the product; we keep payments moving.
Provider directory
Find the right provider for every market.
Search 1,000+ acquirers and PSPs by country, settlement currency and payment method — then get warm introductions to your shortlist.
Card orchestration pricing
Predictable plans that scale with you.
Per-transaction pricing drops as volume grows. All plans include every PSP, multi-PSP routing, and unified reporting.
Looking for IBAN+ pricing (card-free A2A payments)? See IBAN+ pricing
Starter
$2,500
per month
10,000
transactions included
$0.20
per transaction above limit
Get started
Growth
$5,000
per month
100,000
transactions included
$0.04
per transaction above limit
Get started
Business
$7,500
per month
500,000
transactions included
$0.012
per transaction above limit
Get started
Enterprise
$10,000
per month
1,000,000
transactions included
$0.008
per transaction above limit
Get started
Need higher volume, custom routing, or on-prem deployment? Talk to sales · All prices in USD, billed monthly.
Common questions
Answers before you ask.
Do we have to replace our current PSP?
No. P26M sits above your providers: you keep the contracts you already have and add new ones when you need them. Adding a provider is configuration on your account, not a new integration in your product code.
How long does it take to connect a provider?
1–3 days. Configuration replaces the full-stack integration that normally takes 2–3 months per provider.
What happens when a provider goes down?
Smart routing re-routes the transaction to another provider in milliseconds. The customer sees no error and no engineer is paged — that is what lifts approve rate from ~82% to 95%+.
Do we ever touch card data?
No. Card data is tokenized and never reaches your systems — you work with tokens, we handle the cardholder data environment.
Are you PCI DSS certified?
Not yet. The platform is built to PCI DSS v4.0.1 requirements — cardholder data storage, tokenization, network segmentation and all provider integrations are in scope — and the formal QSA assessment is under way. SOC 2 Type II is in progress, ISO 27001 is planned.
Where is our data hosted?
In the EU. All infrastructure runs in AWS eu-central-1 (Frankfurt), with no processing or storage of personal data outside the EEA. P26M is EU-incorporated and GDPR aligned.
How does pricing work?
A monthly plan plus a per-transaction fee above the included volume. Every plan includes every provider, smart routing and unified reporting — the per-transaction price drops as volume grows.
What is IBAN+?
An account-to-account rail built on the National Bank of Ukraine payment QR standard. The customer taps their bank, the details fill themselves in, and the money lands on your IBAN — with no acquiring fee on the transfer itself.
Pays back from the second PSP
Linear costs become fixed costs.
Without orchestration, every PSP you add multiplies engineering effort and monthly support. With P26M, those numbers stop growing.
Time to connect a PSP
2–3 months
1–3 days
Configuration replaces full-stack integration.
Engineering support
64–128 h / mo / PSP
≤ 24 h / mo
Across all PSPs combined. One ops surface to maintain.
Cost
$1.6k–3.2k / PSP / mo
~$2.5k / mo
Flat — for every PSP we support.
P26M changes the cost model. Without orchestration, each new PSP adds engineering work and monthly spend. With P26M, costs go from linear to fixed — you ship new providers without growing the bill.
Break-even at PSP #2
Calculate your ROI
Five questions, ~60 seconds. No credit card needed.
Available for integration
Start your integration today.
A 30-minute call is enough to scope your routing strategy and have credentials in your inbox by end of week. Tell us what you process — we will show you what to expect.