International Payment Gateway: Efficiency, Control and Cross-Border Growth 

In a fast-changing global market, shaped by increasingly demanding digital consumers and fragmented payment behaviours, relying on a single payment gateway is no longer enough. Companies operating internationally must reconcile localized, seamless, and secure payment experiences with the need for operational efficiency and control. 

The answer does not lie simply in choosing the best payment gateway, but in adopting a more advanced, orchestrated approach. Payment orchestration is emerging as a strategic lever to overcome the rigidities of traditional systems by intelligently integrating multiple PSPs, local methods, reconciliation features, and centralized governance. 

The limits of traditional payment gateways 

An online payment gateway authorizes, transmits, and confirms payments. However, in cross-border contexts, this architecture reveals structural limitations: 

• Dependence on a single acquirer or provider per country 
• Lack of dynamic routing based on performance or geographical context 
• Complex, specific integrations for each new payment method 
• Limited automation for reconciliation, reporting, and split payments 

These constraints result in higher costs, reduced control, and limited scalability—factors that hinder international expansion. 

Payment Orchestration: from transactional operations to strategic management 

Payment orchestration overcomes these limitations through a unified and flexible infrastructure able to: 

• Connect and govern multiple PSPs, gateways, and payment methods from a single point 
• Enable intelligent routing logic to optimize costs, authorization rates, and performance 
• Orchestrate risk management, compliance, and automatic reconciliation 
• Ensure cross-border scalability without duplicating integrations or overloading IT projects 

It is no longer just about accepting payments, but about strategically managing the entire financial flow to support international growth. 

Localization and scalability: mastering the complexity of global payments 

Each geographic area has its own payment preferences, regulatory requirements, and infrastructures. 

United Kingdom (UK) 
In recent months, the trend toward digital and contactless payments has become even stronger. According to UK Finance, in April 2025 contactless payments represented about 66% of all credit card transactions and 76% of all debit card transactions, showing clear year-on-year growth compared to April 2024¹. Online, debit cards remain the dominant method, accounting for around 48% of transactions, followed by credit cards (26%) and PayPal (20%) as of mid-2025². 

Cash use continues to decline: it accounted for just 12% of all payments in 2023, down from 14% in 2022³. Cash withdrawal volumes reflect the same trend, with Q2 2025 figures showing a 2.2% decrease in the number of withdrawals (259 million) and a 10.3% drop in total value (£22,423 million) compared with Q1 2025⁴. 

At the same time, real-time settlement systems are gaining traction. The Bank of England reports that the average daily CHAPS settlement value increased from about £360,000 million in Q1 2025 to £378,000 million in Q2 2025, highlighting the growing reliance on instant and high-value payment rails⁵. 

Adoption patterns differ across demographics: younger generations are driving the growth of digital wallets and mobile payments, while older groups and rural or lower-income populations remain more dependent on cards or cash. For cross-border and ecommerce transactions, awareness and usage gaps persist, making it essential for payment orchestration platforms to support both traditional and emerging methods while also investing in consumer education⁶. 

Europe 
A mature but fragmented market. In the second half of 2024, non-cash payments in the euro area rose by 8.6%, reaching 77.6 billion transactions with a total value of €116.9 trillion⁷. Locally, specific schemes dominate: iDEAL in the Netherlands, Giropay in Germany and Austria, and Wero—the pan-European wallet launched by EPI in 2024—is already very active in Germany, France, and Belgium⁸. The European digital payments market is expected to grow from about USD 640 billion in 2025 to USD 1,310 billion in 2030 (CAGR 15.2%)⁹. 

Asia 
The epicenter of wallet innovation and real-time payments. In China, Alipay and WeChat Pay account for more than 85% of digital payments¹⁰. In India, UPI exceeded 10 billion monthly transactions in 2024¹¹, while QR code payments are spreading rapidly in Japan and Southeast Asia. In the Asia-Pacific region, the real-time payments market could grow from USD 13.6 to 69.5 billion between 2025 and 2030¹². 

Americas 
A strong divide between North and Latin America. In the United States, 72% of Ecommerce transactions are made through wallets (PayPal, Apple Pay, Google Pay)¹³. In Latin America, wallets such as Mercado Pago and payment vouchers (like OXXO in Mexico) are gaining ground, while cash usage remains significant¹⁴. 

Africa 
Mobile money is the main channel, with solutions such as M-Pesa, Orange Money, and Airtel Money reaching adoption rates above 70% in several countries¹⁵. The diversity of protocols, currencies, and regulatory frameworks reinforces the need for centralized orchestration. 

Other emerging markets 
In the Middle East and Southeast Asia, regulated local schemes are gradually becoming established: PromptPay (Thailand), DuitNow (Malaysia), SAMA IPN (Saudi Arabia). Local compliance is often essential to operate. 

The strategic value of Fabrick’s Payment Orchestra 

In this context, Fabrick’s Payment Orchestra stands out as a modular and scalable Ecommerce payment gateway infrastructure designed for international and omnichannel models: 

• Omnichannel acquiring: integrated management of physical and digital payments, ensuring continuity across all touchpoints 
• Automated collection and reconciliation: real-time transaction-order alignment, better cash-flow management 
• Split payments: automated distribution of revenues and commissions among players in the chain, in real time or deferred 
• Marketplace management: handling merchants and sub-merchants, configurable splitting rules, and centralized reporting 

Conclusion 

To support cross-border expansion, it is essential to orchestrate payment methods, providers, and flows in an efficient, scalable, and localized way. Payment orchestration is not just a technological solution: it is a strategy that turns payments into a true competitive advantage. With Fabrick’s Payment Orchestra, payment orchestration becomes an operational and financial lever aligned with international growth ambitions.