Skip to content
SPECIFICTION
Get listed

PayOrc

payorc.com

From $25/mo Free plan WebiOSAndroidAPI
Visit payorc.com
Spec score 8.7 #5 of 26 in Payment Orchestration Platforms

What it is

PayOrc is a payment orchestration layer for merchants, payment providers, banks and technology platforms. Its routing engine chooses a processor in real time, and automatic retries can follow fallback chains when payments fail. The product lineup includes payment links, QR payments, subscriptions, invoicing, branded checkout, POS and fraud risk tools. Supported payment methods include cards, wallets, Apple Pay, Google Pay, SEPA and BNPL through one integration. PayOrc says it connects to more than 100 providers and systems, including Stripe, Adyen, Razorpay, WooCommerce, Shopify, Salesforce and SAP. Developers have a REST API, webhooks and SDKs for Node.js, Python, PHP, Java, Ruby and Go, as well as web, Android, iOS and Flutter SDKs. Starter is free, limited to one PSP and up to USD 5k monthly TPV. Growth costs $25 a month, includes five PSPs and covers more than USD 5k to USD 100k monthly TPV. Domestic card fees are listed as 2.90% + $0.30 for Starter and 2.70% + $0.30 for Growth; displayed MDRs are indicative and tax-exclusive.

Spec sheet

What it does
PayOrc provides a unified payment-orchestration layer for merchants, payment providers, banks and technology platforms.Read 15 Oct 2026 · payorc.com
Product
PayOrc describes itself as a unified payment orchestration layer for merchants, payment providers, banks, and technology platforms.Read 29 Sep 2026 · payorc.com
Integrations
PayOrc lists more than 100 integrations spanning e-commerce platforms, payment methods, wallets, banks, PSPs, ERP systems and CRMs.Read 15 Oct 2026 · payorc.com
Security
The security page lists PCI DSS Level 1, ISO/IEC 27001:2022, and ISO 9001 certifications.Read 29 Sep 2026 · payorc.com
Support
The developer page says developer support is available through Slack, email, and video calls.Read 29 Sep 2026 · payorc.com
Headquarters
Dubai, United Arab EmiratesRead 28 Sep 2026 · payorc.com
Founded
PayOrc's company timeline says it was founded in 2025 Q2 and achieved PCI DSS Level 1 certification from day one.Read 29 Sep 2026 · payorc.com
Analytics
A unified dashboard provides real-time payment analytics with drill-down from cohorts to individual transactions.Read 15 Oct 2026 · payorc.com
API and SDKs
The developer page lists a REST API, webhooks, and SDKs for Node.js, Python, PHP, Java, Ruby, and Go, plus web, Android, iOS, and Flutter SDKs.Read 29 Sep 2026 · payorc.com
API documentation
Public documentation describes more than 60 API endpoints, 10-plus payment methods, five-plus PSP integrations and API version 3.0.0.Read 15 Oct 2026 · docs.payorc.com
API endpoint
The payment-request API creates orders through POST https://api.payorc.com/orders/v1/create using merchant-key and merchant-secret headers.Read 15 Oct 2026 · docs.payorc.com
API features
The API supports hosted checkout, iframe checkout, server-to-server payments, token payments, split payments, MID groups, refunds, voids, settlements, payouts and webhooks.Read 15 Oct 2026 · docs.payorc.com
Cascade retries
Failed transactions can be retried automatically through fallback providers, with the company claiming recovery of up to 40% of failed payments.Read 15 Oct 2026 · payorc.com
Company legal name
The terms identify PayOrc as Vallwork Tech FZCO, incorporated in the United Arab Emirates.Read 15 Oct 2026 · payorc.com
Cost optimization
PayOrc says it can route transactions to lower-cost processors and reduce processing fees by 20–30%.Read 15 Oct 2026 · payorc.com
Data protection
PayOrc says it uses tokenization and a card vault, AES-256 encryption at rest, TLS 1.3 in transit, and controlled vault access.Read 29 Sep 2026 · payorc.com
Fees
The pricing page lists domestic card fees of 2.90% + $0.30 for Starter and 2.70% + $0.30 for Growth, and says displayed MDRs are indicative and tax-exclusive.Read 29 Sep 2026 · payorc.com
Fraud controls
The platform offers rule-based and machine-learning fraud detection with configurable risk thresholds.Read 15 Oct 2026 · payorc.com
Google Play app
The Android merchant app manages transactions, payment links, subscriptions and QR collections with real-time tracking and insights.Read 15 Oct 2026 · play.google.com
Google Play data safety
Google Play says the app shares no data with third parties, may collect personal and financial information, encrypts data in transit and supports deletion requests.Read 15 Oct 2026 · play.google.com
Google Play developer
Google Play identifies the developer as VALLWORK TECH - FZCO at IFZA Property FZCO, Building A1, Dubai Digital Park, Dubai Silicon Oasis.Read 15 Oct 2026 · play.google.com
Google Play update
The PayOrc Android app was updated on August 10, 2026 with stability improvements and support for current Android platform requirements.Read 15 Oct 2026 · play.google.com
Hosted checkout
PayOrc-hosted pages collect card details, reducing the merchant's PCI scope; the API returns payment and iframe links and sends webhook notifications.Read 15 Oct 2026 · docs.payorc.com
Intelligent routing
Its routing engine selects a payment processor in real time using transaction context and claims authorization improvements of up to 15%.Read 15 Oct 2026 · payorc.com
Licence
The terms grant only a limited, non-exclusive, non-transferable subscription right and prohibit reverse engineering, indicating proprietary software rather than open-source licensing.Read 15 Oct 2026 · payorc.com
Limit: indicative pricing
Published merchant-discount rates are indicative and tax-exclusive; final pricing depends on underwriting, provider approval, payment method, volume and commercial agreement.Read 15 Oct 2026 · payorc.com
Limit: non-refundable fees
The terms say monthly subscriptions are billed in advance and fees are generally non-refundable except where the refund policy provides otherwise.Read 15 Oct 2026 · payorc.com
Limit: provider dependence
Provider, method and country availability depends on merchant eligibility, provider approval, technical availability and commercial agreements.Read 15 Oct 2026 · payorc.com
LinkedIn company size
LinkedIn lists PayOrc as privately held with 11–50 employees.Read 15 Oct 2026 · linkedin.com
LinkedIn founding year
LinkedIn lists PayOrc as founded in 2024.Read 15 Oct 2026 · linkedin.com
LinkedIn headquarters
LinkedIn places PayOrc in Dubai, UAE.Read 15 Oct 2026 · linkedin.com
Named integrations
Examples include WooCommerce, Magento, Shopify, Visa, Mastercard, Google Pay, PhonePe, Razorpay, Cashfree, SAP, Zoho, Salesforce and Xero.Read 15 Oct 2026 · payorc.com
Official founding milestone
PayOrc's own timeline says it was founded in 2025 Q2 and achieved PCI DSS Level 1 certification from the start.Read 15 Oct 2026 · payorc.com
Payment methods
The gateway supports cards, UPI, wallets, net banking, BNPL, QR payments and bank transfers through one API.Read 15 Oct 2026 · payorc.com
Payment products
Listed products include payment links, subscriptions, invoicing, QR payments, branded checkout, fraud risk tools, POS and payment gateway services.Read 15 Oct 2026 · payorc.com
Payment tools
The product lineup includes payment links, QR payments, subscriptions, invoicing, branded checkout, POS, and fraud risk tools.Read 29 Sep 2026 · payorc.com
Pricing limits
Starter includes one PSP and is limited to ≤ USD 5k monthly TPV; Growth includes 5 PSPs and covers > USD 5k to USD 100k monthly TPV.Read 29 Sep 2026 · payorc.com
Retries
PayOrc supports automatic retries through pre-defined fallback chains when payments fail.Read 29 Sep 2026 · payorc.com
Routing
Its intelligent routing engine selects a processor in real time, and the site says authorization rates can improve by up to 15%.Read 29 Sep 2026 · payorc.com
SDKs and languages
The getting-started guide provides integration examples for Node.js, PHP, Python and other HTTP-capable server environments, and documents SDK/plugin keys for mobile integrations.Read 15 Oct 2026 · docs.payorc.com
Security certification
PayOrc states that it is PCI DSS Level 1 certified and uses tokenization and a card-data vault.Read 15 Oct 2026 · payorc.com
Security controls
Its privacy policy states that data at rest is encrypted with AES-256, data in transit uses TLS 1.2 or newer, and access uses RBAC and multi-factor authentication.Read 15 Oct 2026 · payorc.com
Service-level target
The terms target 99.99% uptime for the payment-processing API and exclude liability for outages caused by third-party PSPs.Read 15 Oct 2026 · payorc.com

Plans and prices

Starter Free ≤ USD 5k monthly TPV · 1 PSP · 2.90% + $0.30 domestic card fee · 0.80% SEPA fee capped at $5 Read 15 Oct 2026 · payorc.com
Growth $25 a month monthly > USD 5k to USD 100k monthly TPV · 5 PSPs · 2.70% + $0.30 domestic card fee · 0.70% SEPA fee capped at $5 Read 15 Oct 2026 · payorc.com
Enterprise Priced on request > USD 100k monthly TPV · unlimited PSPs · custom transaction fees Read 15 Oct 2026 · payorc.com

Every PayOrc plan and price →

Strong points and limits

Strong points

  • Routing selects a processor in real time.
  • Automatic retries use predefined fallback chains.
  • Payment tools include subscriptions, invoicing and branded checkout.
  • Security certifications include PCI DSS Level 1.
  • Developer support is available by Slack, email and video calls.

Limits

  • Starter is limited to one PSP and USD 5k monthly TPV.
  • Growth costs $25 a month.
  • Domestic card fees are listed separately from plan prices.
  • Enterprise pricing is custom and not listed.

Who it suits

PayOrc suits merchants and platforms managing payments across providers, methods or systems. Its API, webhooks and SDKs are also aimed at developers integrating payment services.

PayOrc in depth

Read the full write-up

PayOrc is a payment orchestration service for merchants, payment providers, banks and technology platforms. It is most compelling for teams coordinating multiple processors and payment tools through one integration. Its value depends on volume: the free tier is limited to one PSP and USD 5k in monthly TPV, while Growth raises both ceilings for $25/month.

Overview

PayOrc combines real-time processor selection, fallback retries and a broad set of payment tools. The routing engine chooses a processor for each payment, and PayOrc says authorization rates can improve by up to 15%; that is a potential gain, not a guarantee. Automatic retries through predefined fallback chains can give failed transactions another path, making the routing proposition most relevant to merchants with more than one provider.

The toolkit extends beyond routing to payment links, QR payments, subscriptions, invoicing, branded checkout, POS and fraud risk tools. Cards, wallets, Apple Pay, Google Pay, SEPA and BNPL are supported through one integration. PayOrc says it connects to more than 100 providers and systems, including Stripe, Adyen, Razorpay, WooCommerce, Shopify, Salesforce and SAP. That breadth can help consolidate payment operations, but plan-level PSP limits determine how much of a multi-provider setup a merchant can use.

Key features

Routing, retries and payment operations

Real-time routing and automatic fallback chains address processor choice and failed-payment recovery in the same layer. This is a stronger fit for businesses that can make use of multiple PSPs than for a small merchant using one processor. Recurring payments and marketplace payouts widen the operational scope, while payment links, QR payments, invoicing and POS cover several ways of collecting payments.

Developer and risk controls

The developer offering includes a REST API, webhooks, and SDKs for Node.js, Python, PHP, Java, Ruby and Go, as well as web, Android, iOS and Flutter. Developer support is available through Slack, email and video calls. PayOrc lists PCI DSS Level 1, ISO/IEC 27001:2022 and ISO 9001 certifications, and describes tokenization, a card vault, AES-256 encryption at rest, TLS 1.3 in transit and controlled vault access. Fraud controls combine rules and machine-learning detection with configurable risk thresholds. These are useful foundations for teams with integration and risk-management needs, though the supplied feature set does not establish how those controls perform in a particular operation.

Pricing

PayOrc uses a freemium model, with paid access from $25/mo. The plan choice is tied directly to monthly processing volume and PSP count, and domestic card fees are separate from the plan price. The displayed MDRs are indicative and tax-exclusive.

PlanPriceVolume and PSP limitDomestic card feeStarterfree≤ USD 5k monthly TPV; 1 PSP2.90% + $0.30Growth$25 a month, billed $25/month> USD 5k to USD 100k monthly TPV; 5 PSPs2.70% + $0.30EnterpriseCustom pricing> USD 100k monthly TPV; unlimited PSPsNot statedStarter makes sense for a low-volume merchant testing the service or operating with one provider; its free price comes with a firm ceiling on both volume and PSP count. Growth is the practical step up for businesses above USD 5k monthly TPV that need several connections, with five PSPs and a lower indicative domestic card rate, but it still caps volume at USD 100k. Above that level, Enterprise offers unlimited PSPs on custom pricing. Compare the monthly plan charge and indicative transaction fee against expected volume before moving up a tier.

Platforms

PayOrc supports web, Android and iOS, alongside an API. The SDK range also includes Flutter and several server-side languages, giving teams multiple integration routes across mobile and web projects.

Who it's for

PayOrc suits merchants and platforms that need to coordinate payment providers, recover failed transactions or bring several payment tools into one integration. Growth is better aligned to a business processing more than USD 5k monthly TPV that needs up to five PSPs. A smaller operation with one provider can use Starter, but teams expecting multi-provider routing immediately may find its one-PSP limit restrictive. Businesses above USD 100k monthly TPV should assess Enterprise against custom pricing.

Pros and cons

Pros: Real-time routing and fallback retries can address processor selection and failed payments in one system.

Pros: Payment collection tools, recurring payments, marketplace payouts and a broad set of payment methods extend beyond basic orchestration.

Pros: Growth permits five PSPs for $25/month and has a lower indicative domestic card fee than Starter.

Cons: The free Starter plan allows only one PSP, limiting its usefulness for multi-provider routing.

Cons: Starter is capped at ≤ USD 5k monthly TPV, Growth at USD 100k; larger merchants must seek custom Enterprise pricing.

Cons: Domestic MDRs are indicative and tax-exclusive, so the displayed transaction rates are not a complete cost figure.

Alternatives

For a different orchestration option, compare the Payment Orchestration Platforms directory.

DeloPay may suit a team comparing a paid service with broader desktop and mobile platform support; its Power plan is priced at 2.25% per transaction for monthly volume from $100,000 to $500,000.

BridgerPay is worth considering when a free tier with a published transaction and user allowance matters: Free Forever covers 200 transactions per month, one user, one checkout and two connections.

PayServ Multi-PSP Platform is a fit for sandbox-led evaluation, with a free plan that includes one PSP sandbox connection and 500 test transactions per month.

Juspay Hyperswitch is the alternative to consider when self-hosting is a priority; its free Community Edition includes 90+ payment integrations and self-managed hosting.

MoneyHash is another paid alternative for teams comparing payment orchestration services.

Orchestra may be preferable for testing without live payments: its free Sandbox plan offers unlimited transactions and 130+ provider sandboxes.

BR-DGE is another paid alternative to compare.

IXOPAY is an option for buyers considering a paid plan starting at $1000/Month, with full pricing requiring contact.

Verdict

Choose PayOrc if your business needs processor routing, payment recovery and several payment tools under one integration, particularly once Growth’s five-PSP allowance is useful. Its strongest case is the combination of routing and operational breadth at a stated $25/month Growth price. Look elsewhere if you need multiple PSPs on a genuinely free tier, or if the volume-based limits and indicative fees do not fit your expected processing costs.

Verdict

PayOrc combines payment routing, retry handling, multiple payment tools and developer interfaces. Compare plan limits and indicative domestic card fees against expected monthly volume before choosing a tier.

Where Specifiction places it

Alternatives to PayOrcAll alternatives →