Payment Hub and Payment Orchestration: Why Your Company Needs them

In the corporate payments landscape, the term payment hub is used with different meanings. Traditionally, it refers to an internal platform within companies or banks, integrated with ERP systems and treasury infrastructures, capable of centralizing all financial flows: incoming, outgoing, and intercompany. These hubs standardize formats such as ISO 20022, manage multi-currency payments, automate reconciliation, and ensure regulatory compliance. 

In recent years, however, a definition closer to the world of online and in-store payments has emerged: payment orchestration. In this case, the hub does not merely centralize but becomes an “intelligent engine” capable of orchestrating transactions across multiple PSPs, acquirers, wallets, and local and international payment methods. Thanks to a modular, API-based architecture, the platform can perform real-time smart routing, activate failover mechanisms—meaning the ability to select a backup acquirer if the main one is unavailable at a given moment—and optimize the user experience during checkout. 

In other words, from the static and consolidating approach of the traditional corporate payment hub, we move to a dynamic and proactive logic, focused on continuous optimization. 

Payment orchestration: a rapidly growing market 

The global payment orchestration market is expanding quickly: Business Research Insights forecasts growth from $2.55 billion in 2024 to $18.81 billion in 2033, with a CAGR of 25.8%.¹ Looking at Europe, GMI Insights estimates a value of $344.8 million in 2024, with an average annual growth of 19.7% through 2034.²

The UK payment orchestration market was valued at US$ 97.2 million in 2023 and is expected to reach US$ 496.5 million by 2030, growing at a CAGR of 26.2%.³ The UK accounts for over 20% of the European market, making it the region’s leading hub for orchestration adoption.² While exact penetration rates among UK merchants are not publicly available, growth is driven by strong fintech maturity, regulatory support, and increasing demand for multi-rail, cross-border payment capabilities. 

Key emerging trends include: 

- Integration with an increasing number of PSPs, acquirers, and payment methods, including account-to-account, digital wallets, cryptocurrencies, and “Buy Now, Pay Later.” 

- AI integration to optimize real-time transaction routing, improve payment acceptance rates, manage fraud prevention, and automate reconciliation. 

- More sophisticated automation in post-processing phases: reconciliation, revenue splitting, compliance, real-time monitoring, and advanced reporting. 

- The growing adoption of orchestration solutions in the B2B space, in some cases exceeding 55% of the market. Large enterprises and multi-vendor marketplaces are implementing payment orchestration to automate complex workflows (invoicing, supplier splitting, multi-bank reconciliation). 

- The predominance of cloud-based models, which in 2024 accounted for around 78% of global market value. 

In B2C services, industries such as gaming, streaming, and on-demand services are experiencing strong global growth. They require infrastructures capable of ensuring continuity in recurring payments across different geographic areas, each with its own regulations (e.g., worldwide there are many different systems for managing direct debits such as SDD). 

The Payment Hub as a strategic ally 

A corporate payment hub offers companies much more than just a technology platform. It means having an infrastructure capable of ensuring flow consistency, greater efficiency, and complete visibility over transactions. 

Scalability is another key factor: thanks to a digital, API-based, cloud-ready architecture, a payment hub solution grows with the company without imposing infrastructural rigidity. 

Payment orchestration also provides a concrete competitive advantage: reduced decline rates through intelligent routing, lower transaction costs by selecting the most convenient acquirer, and smoother, faster checkouts. This is further enhanced by advanced analytics and reporting tools and fraud prevention features—all within a single processing hub. 

The value of orchestration for corporates 

For corporates, payment orchestration addresses very specific strategic needs: 

- Operational efficiency: reducing complexity, management costs, and settlement times, especially in multi-country and multi-currency contexts. 

- Flexibility and adaptability: quickly integrating new local payment methods or PSPs to meet customer preferences in different markets. 

- Resilience and continuity: ensuring the ability to route transactions to alternatives in case of provider malfunctions or downtime. 

- Cash flow insights and control: accessing aggregated data and unified analytics to support business decisions and pricing strategies. 

Fabrick Payment Orchestra: tailor-made payment orchestration 

Fabrick Payment Orchestra is the payment orchestration platform designed to enable merchants, corporates, and digital platforms to manage all omni-channel payment flows in a unified and optimized way. 

With a single API integration, it connects multiple PSPs, acquirers, and payment methods, applying customizable routing rules to increase success rates and reduce costs. It supports multi-currency and multi-country scenarios, offers advanced analytics, and allows rapid onboarding of new providers. 

The platform includes fraud prevention solutions powered by AI and machine learning engines, designed to boost conversion rates—both in pre-authorization (leveraging PSD2 exemptions from SCA) and post-authorization stages. 

Its architecture enables companies to enter new markets, enhance the payment experience, and maintain full strategic control over payments. 

At the same time, the platform offers two additional highly valuable modules to improve payment monitoring and ensure efficiency in financial and accounting processes: 

- An automatic reconciliation engine that supports both financial reconciliation (checking account crediting and dashboard data consistency) and document reconciliation with relevant orders and invoices. 

- A “split payment” solution that automatically distributes revenues according to merchant-defined rules (e.g., automatic commission allocation to sales agents, etc.). 

Use cases by industry: a must-have for sectors exposed to high volumes and diverse payments 

Fabrick’s payment orchestration solution is flexible and resilient, as it can be customized to the specific needs of each market. 

Insurance:  

the platform automatically manages and reconciles all customer payments, made through various instruments (SEPA, Pay by Bank, Virtual POS, physical POS, Pay by Link). It can be tailored for structured contexts where premiums are split among multiple insurance companies, with commissions credited directly to agents. 

Automotive:  

all payments and collections—whether related to vehicle financing, mobility services (e.g., tolls, on-demand insurance), maintenance, subscriptions, or other automotive services—are coordinated and managed transparently on a single platform. This facilitates flexible payment plans, customized installments, and innovative loyalty programs. 

Logistics:  

centralized management of international shipping payments with optimized routing by currency and destination. Embedded API solutions such as Tap to Pay also allow innovative collection tools to be integrated into company management systems, streamlining B2B transactions. 

Utilities:  

unified recurring collections with a wide range of payment methods. Digital mandates and SDD, integrated into the orchestration platform, simplify the activation of recurring payments. 

Telecommunications:  

centralized management of subscriptions, top-ups, and value-added services, with network tokens that eliminate the risk of rejected payments due to expired or blocked cards. Enables offering customers their preferred alternative payment methods. 

Conclusions 

The innovative capacity of companies today also depends on the modernity of their payment infrastructures. 

The payment hub provides the central structure and operational control of company flows, while payment orchestration adds intelligence, automation, and optimization capabilities—offering an end-to-end solution that maximizes efficiency, conversion, and control across the entire payment chain. 

By combining centralization, decision-making intelligence, and flexibility, solutions such as Fabrick Payment Orchestra enable mid-to-large companies to successfully face the challenges of a global and competitive market.