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Payment orchestration for travel 2025

6 min read

Payment orchestration for travel refers to the use of a single platform to connect and manage multiple payment providers, payment methods, fraud detection tools, and set up payment routing without code. It empowers payment teams in travel businesses to route transactions intelligently, reduce costs, recover failed payments, and adapt to region-specific regulations and customer preferences, all without the need to build or maintain a complex in-house payments infrastructure.

Primer is a leading payment orchestration platform for travel businesses. With one integration, you can connect global and local PSPs, route payments dynamically, automate Fallback logic, launch new payment methods with just a few clicks, and monitor all payment activity in real-time. Travel brands like Pelago, GetYourGuide, and Ferryhopper trust Primer to improve conversion, reduce operational overhead, and scale payments globally.

What is payment orchestration?

A payment orchestration platform (POP) consolidates all your payment service integrations—like PSPs, payment methods, and risk tools—into a single platform. It acts as the control center for managing and optimizing every part of your payment flow.

With payment orchestration, merchants can route transactions based on custom rules, monitor performance in real time, and adapt instantly to changes in provider performance, customer behavior, or market conditions.

From acceptance and routing to reconciliation and reporting, orchestration gives you the flexibility, visibility, and control to scale faster and reduce operational complexity.

Orchestration lets you:

  • Connect multiple PSPs and route payments based on geography, cost, or performance
  • Retry failed payments instantly with backup providers
  • Trigger fraud checks and authentication dynamically
  • Track all payment data across processors from one dashboard
  • Add new payment methods and PSPs without writing new code

With Primer, you can build and manage these flows using drag-and-drop workflows, eliminating the need for developer time and effort. This makes it easier to scale, optimize, and adapt your payment stack in a fast-moving, global travel market.

Why payment orchestration is so important in travel

Travel businesses face unique pressures that make a single-PSP setup risky and expensive:

  • Peak volume spikes (e.g., summer holidays, Black Friday sales) often overwhelm payment systems, leading to costly drop-offs and failed bookings
  • Travel is considered high risk not just because of high average transaction values, but also due to the delay between purchase and when the service is actually used. This gap increases the risk of chargebacks and fraud, leading acquirers and issuers to implement stricter controls.
  • Cross-border payments introduce fees, FX costs, and local preferences that many PSPs don’t support well
  • Long fulfillment times and complex refund policies increase chargeback exposure
  • Customer expectations for fast, flexible payments are rising globally

Without orchestration, keeping up with constant change requires ongoing custom development and manual PSP management. That becomes especially challenging when you’re building in-house.

Arjun Muralidharan, Director of Product at GetYourGuide, a world-leading travel experience platform, articulates this well:

“With payments, the more you try to build in-house, the greater the risk of diverting focus and resources from your core competencies. That’s something we’ve strategically chosen to avoid by using Primer.”

With Primer, you can build a flexible and resilient payment setup that evolves with your business. This helps you recover revenue, reduce costs, and deliver a smoother customer experience at scale.

Benefits for travel businesses

Benefit Why it matters
Fallbacks on failed payments Primer Fallbacks enables you to automatically route a payment to a backup processor if the primary one fails, helping you recover more transactions with minimal effort from the customer.
Cost-based routing Reduce fees by routing to the lowest-cost or local PSP in each market
One-click payment method rollout Add Apple Pay, Klarna, or iDEAL instantly without developer input
Real-time analytics Monitor payment success, decline reasons, and performance across all of your processors
Fraud tool integrations Use tools like Riskified or Sift without separate integrations

Example use case: airline booking site

To understand how payment orchestration works in practice, here is a typical example of what happens behind the scenes during an online booking with a platform like Primer:

  1. A traveler selects a trip and proceeds to checkout: Let’s say a customer visits a travel platform, chooses a flight or vacation package, and moves to the checkout page. They select a payment method from a list tailored to their location, which may include cards, wallets, or local bank options.
  2. Payment details are securely collected: Primer collects the payment data and sends it to the configured payment gateway. If the merchant has enabled tokenization, the payment details are also tokenized to support future refunds, rebookings, or changes.
  3. The payment is routed to the best processor: Based on merchant-defined logic, Primer routes the payment to the most suitable processor. This decision may consider factors such as card type, transaction value, region, or processor performance.
  4. Fallbacks help recover failed transactions: If the merchant has Fallbacks set up, Primer will automatically retry the payment with the backup processor they have configured. This can help recover payments that fail due to a soft decline or timeout, preventing lost bookings and improving the customer experience.
  5. The transaction is authorized and confirmed: Once the payment is approved, the authorization is returned to the merchant, and the booking is confirmed. The customer receives immediate confirmation and the transaction is complete.
  6. Merchants can continue to optimize performance: Using payment orchestration, travel merchants can monitor performance, add new payment methods, improve authorization rates, and reduce costs. All of this is managed through a single unified platform without the need for additional integrations.

Key features to look for in a travel-focused payment orchestration platform

If you’re evaluating payment orchestration platforms for travel, look for:

Feature Why it matters for travel merchants
Multi-PSP and multi-acquirer support Travel companies often work with multiple acquirers across different regions. Orchestration platforms unify these relationships, enabling smart routing across PSPs without hardcoded integrations. This is critical for ensuring uptime during peak periods and reducing vendor lock-in.
Fallbacks and seamless retries Travel purchases are high-value and high-intent. A soft-declined £1500 booking can mean both lost revenue and a lost customer. Primer Fallbacks ensures that failed payments are retried instantly with a backup processor you set up, rescuing revenue in real time.
Visual workflow builder With limited internal development resources and growing payment complexity, many travel companies want flexibility without engineering lift. Primer Workflows is no-code, enabling teams to test, optimize, and launch routing logic, 3DS rules, or recovery flows without waiting on sprint cycles.
Localized and customizable checkout Travel companies often serve international audiences and expect hyper-local payment methods (e.g. iDEAL in NL, Swish in SE, Pix in BR). The ability to add local APMs quickly and customize UX by market is critical for maximizing conversion.
Network tokenization Many travel customers return seasonally or rebook once or twice a year. Network tokens keep card credentials valid even if cards are replaced, boosting rebooking conversion rates without requiring re-entry of card details.
Real-time fraud and 3DS controls Fraud is a top concern in the travel industry, particularly with high average order values and delayed fulfillment. Real-time fraud tools integrated into orchestration workflows (e.g. rule-based 3DS triggering) help reduce chargebacks while maintaining UX.
Automated refunds and recovery tools Consumers expect fast refunds and clear resolution when plans change. Platforms like Primer that support automated refunds and payment recovery (e.g., retrying failed cards, BIN-based 3DS routing) help travel companies turn negative moments into positive brand experiences.
Global compliance support Travel spans dozens of jurisdictions. Platforms must support region-specific rules (e.g., debit-first checkout in Norway) and enable merchants to stay compliant without building bespoke logic for each market.
Real-time observability and reporting Many travel businesses still rely on manual reconciliation across siloed PSPs. Orchestration platforms should unify data and provide real-time reporting to help heads of payments and analysts identify issues, optimize processors, and improve authentication rates.
Embedded support and strategic partnership Beyond tools, travel merchants value support. Orchestration platforms should act as an extension of the payment team, offering guidance on routing strategy, new APMs, cost optimization opportunities, and implementation best practices.

Leading providers for travel companies

  • Primer: Full-stack orchestration with routing, fallback, tokenization, fraud integrations, and no-code Workflows
  • CellPoint Digital
  • Checkout.com or Adyen
  • Payoneer

Primer stands out by combining orchestration, performance optimization, and integration flexibility in a single platform.

Why travel businesses trust Primer

Travel brands like Pelago, Ferryhopper, and loveholidays utilize Primer to establish scalable, efficient, and resilient payment infrastructures that drive their global growth.

Primer is backed by leading investors, including Accel, ICONIQ, and Balderton Capital, and is trusted across high-growth and high-risk sectors such as travel, crypto, and iGaming.

We support:

  • Real-time Fallback routing
  • Fast rollout of local APMs and BNPL options
  • No-code payment routing using a drag-and-drop interface 
  • Proactive monitoring and custom alerts
  • Seamless integrations with fraud tools like Forter, Riskified, and Sift 

FAQs: Payment orchestration for travel

1. What’s the difference between payment orchestration and just using multiple PSPs?

Payment orchestration gives you full control over how payments are routed, retried, and authenticated across PSPs, markets, and payment methods. Without orchestration, you’re locked into a single PSP’s infrastructure, limiting your ability to optimize performance, reduce costs, or adapt quickly to local requirements.

2. Can Primer help us reduce payment costs across regions?

Yes. Primer supports cost-based routing, enabling you to send payments to the most cost-effective or highest-performing PSP in each market. 3. How does Primer help with fraud and chargebacks?

Primer integrates directly with leading fraud detection tools, including Riskified, Sift, and Signifyd. 

4. What happens if our primary processor fails during a peak booking window?

If you decide to set up Fallbacks, Primer automatically retries soft-declined transactions using your chosen backup processor. This occurs in real-time, with no customer disruption and no engineering involvement.

5. How fast can we integrate with Primer?

Most travel merchants integrate Primer within a few weeks. Once connected, you can activate new PSPs and payment methods in minutes with no new code required.

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