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CRM & Subscription Management

Launch offers fast and keep customers longer.

Checkout & Funnel Builder

Convert more traffic without adding friction.

Revenue Recovery & Smart Dunning

Recover up to 75% of declined transactions.

Payment Orchestration

Increase approvals across every gateway.

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Unlock new growth opportunities through our trusted partners.

Integrations

500+ integrations with systems your team already loves.

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See what’s possible for your growth goals. 

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Understand what’s shaping your growth.

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Payment orchestration that scales with you

Stop Losing Customers to Bad Payment Processes

Most payment failures aren’t real declines — they’re routing problems, issuer mismatches, or outdated credentials. Sticky.io Payment Orchestration intelligently routes, retries, and recovers transactions in real time, so more payments go through and more revenue keeps flowing.

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Single page checkout

160+ Payment Gateways

One Payments Engine. Endless Paths to Approval.

Sticky.io replaces single-path payment processing with intelligent orchestration. You connect multiple gateways, MIDs, and providers once — then let our platform automatically find the best path for every transaction.

Smarter paths, higher approvals

Route Transactions to the Best-performing Gateway

Not all gateways perform equally across issuers, geographies, or card types. Sticky.io dynamically routes transactions based on real performance data, issuer response, and business rules — maximizing approvals while minimizing unnecessary retries and fees.

Approval rating comparison showing a low approval chance versus an optimal approval chance on gauge-style dashboards
Smart reroute logic increasing approval rates by redirecting failed transactions to successful paths.
When the first try fails

Recover False Declines Instantly with Intelligent Cascading

If a transaction fails, Sticky.io doesn’t stop there. Cascading logic automatically retries through alternative gateways or MIDs — often converting a decline into an approval in milliseconds, without disrupting the customer experience.

Never Miss A Renewal with Account Updater

Keep Payment Credentials up to Date Automatically

Expired cards and outdated account details are a leading cause of involuntary churn. Built-in account updater services refresh customer credentials automatically—saving renewals that would otherwise fail silently.

Sticky-Recovery
Dashboard visualizing payment performance, fraud prevention, retries, and healthy MID status
Protect your processing future

Distribute Risk. Defend MID Health. Stop Fraud Early.

Payment orchestration isn’t just about approvals — it’s about longevity. Sticky.io helps distribute volume across MIDs, reduce chargeback concentration, and proactively block risky transactions using BIN-level and behavior-based controls.

Global payment orchestration visual routing transactions across regions to optimize approvals

Transactions route dynamically based on issuer, card type, geography, and real approval data.

Smart reroute logic increasing approval rates by redirecting failed transactions to successful paths.

When a payment fails, Sticky retries intelligently—without customer friction.

Illustration showing an expired credit card labeled “Expired” with a red X on the left, and an updated credit card labeled “Updated” on the right

Expired cards update automatically before billing attempts.

Fraud prevention protecting transactions and driving stronger MID health.

Block high-risk BINs and suspicious behavior before fraud happens.

Merchant viewing a dashboard indicator showing healthy MID status and strong payment performance

Distribute volume and chargebacks to protect processing relationships.

Tab 4

See approvals, declines, and performance across gateways in one dashboard.

Smart Routing
Global payment orchestration visual routing transactions across regions to optimize approvals

Transactions route dynamically based on issuer, card type, geography, and real approval data.

Cascading Logic
Smart reroute logic increasing approval rates by redirecting failed transactions to successful paths.

When a payment fails, Sticky retries intelligently—without customer friction.

Account Updater
Illustration showing an expired credit card labeled “Expired” with a red X on the left, and an updated credit card labeled “Updated” on the right

Expired cards update automatically before billing attempts.

Fraud Controls
Fraud prevention protecting transactions and driving stronger MID health.

Block high-risk BINs and suspicious behavior before fraud happens.

MID Health Monitoring
Merchant viewing a dashboard indicator showing healthy MID status and strong payment performance

Distribute volume and chargebacks to protect processing relationships.

Real-Time Insights
Tab 4

See approvals, declines, and performance across gateways in one dashboard.

Still Relying on a Single Payment Path?

See Sticky.io in action today!
Talk To a Payments Expert
Trusted by the Best

Proven Churn Reduction at Scale

From higher approval rates to millions in recovered revenue, see how Sticky.io helps brands reduce involuntary churn across complex subscription businesses.

Truly Free Found a Better Way— and Bigger Wins

Sticky.io has given us the ability to take our company and our membership experience to a whole new level. If you’re in the ecommerce world and thinking about subscribing your tribe and giving them a world-class experience, as well as getting scalable insights to how you can grow your company — I really don’t know of another platform I would recommend like Sticky.io.
Stephen Ezell CEO, Truly Free
60%
YoY revenue growth

How SkinnyFit Built Smarter Subscriptions

Partnering with Sticky.io has given us the ability to quickly change and pivot based on what bests resonates with our customers. We’re able to understand our customers on a deeper level and provide more value.
Anwar Husain Co-Founder, SkinnyFit
40%
YoY subscription growth

How Flexible Funnels Fueled Floral Commerce Growth

Since we’ve launched subscriptions, it has become a more and more important part of our offering each year as we grow it and as it helps us have that more expected revenue coming in, which is helpful for our farms and our other partners.
239%
Subscription growth

How RealDefense Simplified Complex Billing at Scale

If you’re looking for a billing platform that will work with you to solve your business needs, Sticky.io is it.
Sean Whiteley  President, RealDefense
52%
Reduction in chargebacks

FAQs: Payment Orchestration & Smart Routing

What is payment orchestration?
Payment orchestration is a strategy that allows businesses to connect multiple payment gateways, processors, and merchant accounts into a single system. Instead of relying on one payment path, transactions are intelligently routed through the best-performing gateway to maximize approval rates, reduce declines, and keep revenue flowing.
How does payment orchestration improve authorization rates?
Payment orchestration improves authorization rates by routing each transaction based on real-time performance data such as issuer response, card type, geography, and gateway success rates. If a transaction fails, intelligent routing and cascading logic can automatically retry it through another path—often turning a false decline into a successful payment.
What is payment routing and how does it work?
Payment routing determines which gateway or processor handles a transaction. With smart payment routing, transactions are automatically sent to the gateway most likely to approve them, based on predefined rules and live performance data. This removes guesswork and reduces revenue lost to failed payments.
What is payment cascading and initial dunning?
Payment cascading is the process of retrying a failed transaction through one or more alternative gateways or merchant accounts. Instead of stopping after the first decline, cascading logic attempts additional routes in milliseconds, increasing the chance of approval without adding friction to the customer experience.
How does payment orchestration reduce failed payments and false declines?
Many failed payments are caused by routing issues, gateway downtime, or issuer mismatches — not actual lack of funds. Payment orchestration reduces these failures by dynamically selecting the best path for each transaction and retrying declines intelligently, significantly lowering false declines and unnecessary churn.
 
Can payment orchestration help reduce subscription churn?
Yes. Failed renewals are one of the leading causes of involuntary churn. Payment orchestration helps prevent this by using account updater services, intelligent retries, and optimized routing to ensure recurring transactions have the highest chance of success—protecting predictable subscription revenue.
Is payment orchestration only for enterprise or high-risk merchants?
No. While enterprise and high-volume merchants benefit significantly, any ecommerce or subscription business processing meaningful volume can use payment orchestration to improve approval rates, reduce declines, and gain flexibility across gateways and processors.
Does payment orchestration slow down checkout or add friction?
No. All routing, retries, and decisioning happen behind the scenes. Customers experience the same fast, seamless checkout while businesses benefit from higher approval rates and fewer payment failures.
How does payment orchestration help protect MID health?
By distributing transaction volume and chargebacks across multiple merchant accounts (MIDs), payment orchestration prevents over-concentration that can trigger monitoring programs or account shutdowns. This helps maintain healthy processing relationships and long-term scalability.
What’s the difference between a payment gateway and a payment orchestrator?
A payment gateway processes transactions through a single provider. A payment orchestrator sits above multiple gateways and processors, intelligently controlling how transactions flow between them. This gives businesses more flexibility, better performance, and resilience against failures.
Can payment orchestration integrate with my existing ecommerce stack?
Yes. Modern payment orchestration platforms integrate with popular ecommerce platforms, subscription systems, fraud tools, and analytics software. Sticky.io supports 160+ gateways and integrates directly into your existing checkout and billing workflows.
When should a business consider using payment orchestration?
You should consider payment orchestration if you experience high decline rates, operate across multiple regions, drive a lot of sales through performance marketing campaings, run subscriptions, manage multiple gateways, or want more control over approvals and payment performance. As transaction volume grows, orchestration becomes essential for sustainable revenue growth.

Stop Losing Revenue to Bad Payment Processing

Stop relying on a single gateway or static routing rules. See how intelligent orchestration, cascading, and issuer-aware logic can increase approvals, protect your MIDs, and keep revenue flowing at scale.