Payments on Fire™

Episode 237 - Is Orchestration the New Normal In Payment Operations? A conversation with John Lunn, Gr4vy

Apr 24, 2024
John Lunn, Founder and CEO of Gr4vy, discusses the evolving landscape of payment orchestration. He emphasizes that every merchant builds their own orchestration-like systems, highlighting the need for reusable platforms. The conversation shifts to how orchestration empowers merchants, boosts operational efficiency, and enhances customer experiences. Lunn also explores the challenges of regulatory variances in global markets and shares insights on AI's future role in payment processes, advocating for a cautious approach that prioritizes transparency and merchant control.
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ADVICE

Pair Commercial Moves With Orchestration

  • When renegotiating PSP/acquirer deals, pair the commercial change with orchestration to decouple technical lock-in.
  • Ask orchestration providers to map ROI and implement the migration plan before switching processors.
INSIGHT

Tokenization Yields Big Gains But Is Complex

  • Tokenization and network tokens deliver material auth-rate uplift but are complex and uneven across schemes and issuers.
  • An orchestration layer lets merchants experiment and optimize token strategies per market.
ADVICE

Handle Co-Branded Debit With Flexible Routing

  • Detect co‑branded debit cards and route them to the debit network first, then fallback to scheme token paths if needed.
  • Implement flexible vaulting and pullback logic to avoid failed flows and lost revenue.
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