We Built a Payment Routing System Supporting 231+ Payment Methods and Integration Models

Over the past few years, I’ve been working on e-commerce and payment infrastructure.

As we integrated more payment providers, we kept running into the same problem:

Integrating one payment gateway isn’t particularly difficult. The real challenge begins when a business has multiple websites, multiple payment providers, and multiple merchant accounts that all need to be managed together.

So we built our own Payment Routing / Payment Orchestration System.

Today, the platform supports 231+ payment methods and integration models.

This includes major providers such as PayPal and Stripe, but instead of supporting only one basic integration for each provider, the system can handle multiple integration models for different business scenarios.

For example, PayPal integrations can include different approaches such as Checkout, JS SDK, REST API, Standard, Cart, Authorization/Capture, Invoice, and Partner/Merchant integrations.

Stripe can also be configured with different Checkout, Session, account, and payment integration models depending on the use case.

The Core Is the Routing Engine

The number of integrations is only one part of the system.

The more important component is the payment routing engine.

When a transaction enters the system, an eligible payment route can be selected automatically based on conditions such as:

• Transaction amount

• Currency

• Customer country/region

• Website or store

• Payment method

• Payment provider

• Account availability

• Minimum/maximum transaction limits

• Custom business rules

If a configured payment route becomes unavailable, the system can also select another eligible route according to predefined rules.

Centralized Payment Infrastructure

We also centralized websites, payment providers, merchant accounts, routing rules, and transaction records into one management platform.

Instead of:

Store → Single Payment Gateway

the architecture becomes:

Store → Payment Routing Engine → Routing Rules → Payment Provider → Merchant Account

This becomes increasingly useful as the infrastructure grows.

If a business eventually operates dozens of websites, payment accounts, and gateway integrations, the payment logic doesn’t have to be separately maintained inside every individual store.

Current Capabilities

• 231+ payment methods / integration models

• Multiple PayPal integration models

• Multiple Stripe integration models

• Multi-gateway management

• Multi-account management

• Rule-based smart payment routing

• Automatic fallback to another eligible route

• Amount-based routing

• Country/region-based routing

• Currency-based routing

• Multi-store management

• Centralized transaction monitoring

• WooCommerce integration

• Custom website and API integrations

The system is already operational, and we’re continuing to improve the routing and management capabilities.

I’m particularly interested in how other teams handle this problem.

For companies operating multiple payment providers, do you manage the integrations separately inside each store, use an existing Payment Orchestration platform, or build your own routing layer?

If you’re working on Fintech, Payment Infrastructure, E-commerce, WooCommerce, SaaS, or payment integrations, I’d be interested in exchanging ideas and learning how you approach this problem.