Adriana Iordan

A Holistic View On Payment Orchestration 💡 If we look at the evolution of the payment gateway (2000-2025), I see three major versions: from basic (1.0), to advanced (2.0), to full orchestration (3.0). The complexity of the (online) merchant payments ecosystem has considerably grown over the last 25 years, driven by global e-commerce, security, compliance, and new payment products, channels, and touch points. Payment orchestration is now in the middle of this ecosystem, right between merchants and a wide range of providers, in a way like the yellow Circle line on the London Tube map. Lots has been said and written about the need for payment orchestration, about buy vs. build, speeding up the implementation timelines for new products and services, and how it can help improve success rates and reduce costs 💰 In an ideal world, a payment provider (PSP) should be a one-stop shop, covering and harmonizing the end-to-end process visualized in the infographic. Over the last 25 years, it has become clear, however, that the fast-growing demand for payment products and value-added services, for merchants in a wide range of verticals, across multiple regions, is basically impossible to cover in a single full-service / collecting model. This is due to the efforts required to absorb all the complexities, but also due to the choices made by the PSP resulting from company strategy. A ‘tech only’ middleware can decouple the gateway and collecting component, adding flexibility, reducing dependency on roadmaps and strategies of individual payment partners 👨‍💻 First of all, it’s technology only, so outside of the money flow and contractual relationships with licensed payment processors and banks. An orchestrator should not have ‘skin in the game’ when it comes to applying business rules for transaction routing and invoking value-added services. That’s for the merchant to decide based on their own KPI’s. So agnostic and independent are two key characteristics. Robustness as a company and platform redundancy are also mandatory, as a merchant, you’re handing over the orchestration of the entire transaction flow; therefore, both short-term and long-term availability needs to be guaranteed 🚀 Source: Paul van Alfen - https://shorturl.at/uJu4I #Innovation #Fintech #Banking #Ecommerce #Retail #Merchants #OpenBanking #API #FinancialServices #Cards #Payments #Orchestration #Routing

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Klarna expands debit-first card across Europe after U.S. launch #Klarna, the Stockholm-based #fintech and BNPL giant founded by Sebastian Siemiatkowski, is taking its debit-first Klarna Card pan-European after a strong debut in the U.S., where it already attracted 685,000 sign-ups since July. Unlike traditional credit cards, the Klarna Card defaults to debit, allowing consumers to pay instantly with their own money while also offering flexible financing options—Pay in 3, Pay Later, or longer-term installment plans—through the Klarna app. Powered by Visa’s flexible credential technology, the card is accepted at over 150 million Visa merchants globally, covering everyday purchases to larger-ticket items. Beyond flexibility, it includes features such as a free Klarna Balance account and zero foreign exchange fees for international spending. Klarna’s card products already account for 10% of its global payment volume, and this expansion marks a strategic bet on blending debit discipline with BNPL flexibility. Launching first in Austria, Belgium, Finland, France, Ireland, Italy, the Netherlands, Portugal, Spain, and Sweden, Klarna plans to expand to Germany, Denmark, Norway, and Poland next. This move challenges credit card incumbents but also signals Klarna’s ambition to reshape everyday consumer banking, ahead of the upcoming IPO. The announce on #Klarna website in the first comment.

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We’re thrilled to announce that GOL Linhas Aéreas, Brazil’s leading low‑cost carrier, is now offering passengers a wider range of payment choices thanks to CellPoint Digital’s payment orchestration capabilities! Beginning today, GOL customers can book flights using Apple Pay, Google Pay, Mercado Pago, and NuPay, with more options on the way. This fast‑track deployment demonstrates: 🔵 Enhancing passenger experience with familiar, locally preferred payment options. 🔵 Showcasing our Payment Orchestration platform’s ability to integrate multiple APMs through a single connection. 🔵 Driving conversion, loyalty, and local relevance with methods like Mercado Pago (50M+ users, $50B volume). I’m incredibly proud of our team for delivering impactful innovation for GOL - but this is just the beginning. With our footprint expanding throughout Latin America and strong momentum across travel sectors, we’re helping airlines and travel merchants modernise payments at scale. Read more about the full announcement here ➝ https://lnkd.in/dgDXkVU7 #PaymentOrchestration #PaymentOptimisation #TravelPayments

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Recently, ACI Worldwide announced that Solaris SE, Europe's leading embedded finance platform, will consolidate all SEPA instant payments onto ACI Connetic. Connetic, our cloud-native payments platform, is built for partnerships like this. By migrating its instant payments capabilities to Connetic, Solaris will future-proof its payments infrastructure, accelerate innovation, and increase the agility and performance of the banking services it offers to customers. This is such an exciting partnership, and it really hammers home ACI Worldwide's commitment to driving the future of embedded finance and digital payments.

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