PayOrc is a payment orchestration layer for merchants, payment providers, banks, and technology platforms. Its routing engine selects a processor in real time, and automatic retries use predefined fallback chains when payments fail. The product lineup includes payment links, QR payments, subscriptions, invoicing, branded checkout, POS, and fraud risk tools. Supported methods include cards, wallets, Apple Pay, Google Pay, SEPA, and BNPL. PayOrc says it connects to 100+ providers and systems, including Stripe, Adyen, Razorpay, WooCommerce, Shopify, Salesforce, and SAP. Developers can use a REST API, webhooks, SDKs for Node.js, Python, PHP, Java, Ruby, and Go, plus web, Android, iOS, and Flutter SDKs. Listed protections include tokenization, a card vault, AES-256 encryption at rest, TLS 1.3 in transit, and controlled vault access. Fraud detection combines configurable rules and machine learning. Starter is free, limited to one PSP and up to USD 5k monthly TPV. Growth costs $25/month and covers more than USD 5k to USD 100k monthly TPV with five PSPs.
Who it is for
PayOrc suits merchants and platforms seeking to route payments across providers, retry failed payments, or offer multiple payment tools. Its plan limits make monthly TPV and provider count important when choosing between Starter and Growth.
What is good
- Routing engine selects a processor in real time.
- Automatic retries use predefined fallback chains.
- Connects to 100+ providers and systems.
- Offers REST API, webhooks, and SDKs.
- Fraud controls combine rules and machine learning.
What to know first
- Starter supports only one PSP.
- Starter is limited to up to USD 5k monthly TPV.
- Growth costs $25/month.
- Enterprise pricing is custom and not listed.
Verdict
PayOrc combines payment routing, retries, payment tools, and developer integrations. Starter is free within its one-PSP and TPV limits; Growth costs $25/month for five PSPs and a higher TPV range.
PayOrc plans and pricing
All plansCompared on payment orchestration platforms
- Free plan
- Yes
- Paid from
- $25/mo
- Provider connections
- 5
- Routing rules
- Yes
- Automatic retries
- Yes
- Tokenization and vault
- Yes
- Recurring payments
- Yes
- Marketplace payouts
- Yes
