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Insights and Expertise

That precision lifts approval rates without disrupting the What merchants should expect
customer experience.
Merchants need more than dashboards. They need a live,
Scenario-based analysis then shows which retry paths are unified view of the online payments stack and the levers
most effective. Some will find that wallet-based retries to act within established controls: tracking approval rates
outperform card-on-file attempts for certain issuers or de- by issuer and payments provider, spotting retry patterns
vices; others will see better recovery through a particular by device, comparing performance by token type across
payments provider. channels, and tuning fraud controls in line with agreed
thresholds and outcomes.
Teams apply those insights to adjust routing and retry
rules, so future attempts take the route that's proven to Orchestration links data across systems, surfaces live sig-
work better. nals and enables faster, better-informed decisions. That
visibility also changes how teams work.
Token performance and data visibility
Payments operations can move in step with fraud, CX and
Tokenization is gaining ground across schemes and pro- data teams, using shared insight to inform wider deci-
cessors, but tokens don't behave the same in every con- sions. When orchestration is embedded in the operating
text. Merchants now track how tokens are created, where model, payments move from cost center to strategic lever.
they're used and how they perform across channels, net-
works and issuers. If every payment tells a story, orchestration is the way to
hear it as it happens.
Adding token type to the breakdowns creates a new lens
on performance: by comparing conversion for network/
scheme tokens, processor/PSP tokens, wallet tokens, and Thomas Gillian is CEO of BR-DGE, an innovation enabler empower-
merchant or vault references, as well as non-tokenized ing global growth and connectivity through payment orchestration.
payments, teams can see where different token types de- Contact him via LinkedIn at linkedin.com/in/thomas-gillan-99814547.
liver uplift and where they don't.
Fraud, risk and routing intelligence

Orchestration isn't only about payment-routing perfor-
mance; it also strengthens fraud resilience. Centraliz- Payments is our Business
ing data helps teams spot risk patterns early and deploy
tools with more precision, balancing performance against
agreed risk thresholds. • Expert Witness Consulting Testimony
• Experience in Criminal & Civil cases
Controls tighten when signals cross those thresholds and • Payment Facilitation
ease when completion suffers, with authentication and
routing applied according to policies and pre-set rules. • RFP services
• Integrated Payments
It also brings trade-offs into the open. Routing via a local • Least Cost Routing
scheme might lift approvals but offer weaker fraud cover- • Card Network Rules
age; with orchestration, those scenarios can be tested and
the right fraud tools can be layered into the customer jour- • Payment Gateways
ney. • Processor Selection
Beyond recovery • 'Hard to Place Merchants'

Early adopters of orchestration moved quickly because Let us demonstrate how our our Experience
their stacks were under pressure. Orchestration helped and Knowledge can work for you!
them regain control. The greater advantage arrived when
it became part of the operating model rather than a fall-
back. These merchants steer volume based on issuer be- Napa Payments and Consulting
havior, launch in new markets without delay and tailor
payment setups region by region. (707)601-7656
Where it makes sense, merchants layer platforms, pairing
routing with a centralized tokenization service to sharpen kenm@napapaymentsandconsulting.com
results. Orchestration provides full visibility on the flows
it processes, while fee and settlement data is sourced from napapaymentsandconsulting.com
providers and combined for a complete picture.

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