BridgerPay vs OpenSwitch

BridgerPay is a payment orchestration platform for connecting payment providers and managing payment operations, available through web and API. The homepage lists more than 1,000 built-in connections across 185+ countries. Its Router provides a drag-and-drop, no-code way to direct traffic by location, expense, or type. Bridger Retry reroutes payments across payment service providers, and Bridger 3DS provides independent authentication; the company describes these tools as capable of salvaging up to 30% of declines and elevating approvals by up to 10%, respectively. The platform aligns settlements across providers in real time and supports customized payment links delivered by email, SMS, QR code, or website. A modular API supports configuring and testing payment flows. Listed industries include retail and eCommerce, travel, SaaS, financial institutions, and gaming. BridgerPay says it is PCI DSS Level 1 certified and lists encryption, network scans, third-party audits, and continuous security monitoring. The free plan costs nothing and covers 200 transactions per month, one user, one checkout, and two connections.

OpenSwitch provides one API for routing, retrying, and observing payments across multiple payment service providers. Routing rules can use cost, success rate, currency, BIN, geography, or custom expressions, while retry policies and connector fallback chains reroute soft declines. A shared schema covers payments, refunds, disputes, mandates, and webhooks across enabled connectors. The product describes a network-token-aware vault with tokens portable across PSPs controlled by the customer. Per-connector latency, authorization rates, and decline reasons are available, with event export through webhooks or S3. The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay. Developer materials document REST and JSON, an npm SDK, Docker, and a self-hosted Rust binary. OpenSwitch says it does not custody funds; settlements occur directly between PSPs and customers' bank accounts. Open Source is free; Cloud is priced on request per orchestrated request.