In the fast-moving world of payments , we’ve seen remarkable innovation in how payment processing is managed . Whether it’s e-commerce checkouts or card processing , today’s payment flows are supported by layers of orchestration technology designed to optimize real-time performance across a variety of providers . This can take the form of PSPs leveraging multiple acquirers to navigate risk levels and maximize approval rates, or merchants navigating between several PSPs to ensure reliability and deliver an always-on experience for their customers .
Across the board , orchestration has become a foundational strategy for reducing friction , avoiding failures , and delivering seamless transactions .
Yet , when it comes to payouts , we’re still stuck in the past .
The Power of Orchestration in Payment Processing
In simple terms , orchestration refers to the intelligent routing that ensures transactions are fast , cost-efficien t, and most importantly , reliable . Techniques like cascading , retries , and multi-processor strategies are now standard in the processing world .
These mechanisms help avoid failures , reduce costs , and ensure business continuity . Merchants expect them, PSPs and processors rely on them, and in the world of card processing , there’s simply no room for failure. If a payment doesn’t go through , it's not just a technical issue , it’s a broken experience no one will tolerate .
But payouts? That’s a different story .
The Gap
In the world of cross-border payouts , whether for remittances , freelancer earnings or B2B payments , many financial institutions still depend on rigid routing structures with limited flexibility . When a route becomes unavailable , costs increase , delays occur , and there’s often no real-time backup . Without the ability to dynamically adjust , payout performance suffers , impacting both the business and the end user .
The result? Failed transactions , slow delivery and lost volume .
This gap isn’t just a technical shortcoming , it’s a business risk . And part of the reason it exists is because the payout industry is less mature. It has long been dominated by SWIFT, and only recently has fintech begun to challenge the legacy infrastructure . But users don’t care about that , they expect a smooth , instant experience , just like a modern e-commerce checkout . And when a transaction fails , they don’t tolerate it . Especially in high-volume corridors , the cost of not delivering is higher than ever.
Why This Gap Exists?
Several reasons explain the lack of smart routing in cross-border payouts:
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Legacy Infrastructure: Many cross-border payout platforms still rely on outdated systems , often built around or dependent on SWIFT. These systems were originally designed for slower , lower-volume transfers and were not built to support real-time data processing , dynamic routing , or intelligent failover . As a result , when payments fail or get delayed , there’s no automated way to adapt or retry through a better route .
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Fragmented Systems: To complete a single payout , financial institutions often need to connect with multiple third-party systems , banks , e-wallets , compliance services , and FX providers , each operating under different rules , standards , and technical frameworks . When these systems don’t easily “talk” to one another , orchestrating them in real-time becomes almost impossible .
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Lack of Standardization: Unlike card processing , which benefits from relatively unified global networks like Visa and Mastercard , with clear schemes and protocols , cross-border payouts are fragmented across a patchwork of local payment systems. Each country has its own rules , infrastructure , and user preferences . And unlike card rails , there’s no shared standard or agreed-upon framework, every fintech builds its own approach , with different file formats , APIs , compliance requirements , and reconciliation processes . This fragmentation makes it extremely difficult to build consistent routing or optimization logic across regions .
Closing the Gap: Dynamic Payout Routing
At Neema , we set out to bring the same reliability and flexibility found in mature industries like card processing to the world of cross-border payouts . Dynamic Routing®, our in-house technology is built to deliver seamless , always-on payment performance where it hasn’t existed before .
With Dynamic Routing®, every transaction is evaluated in real-time based on:
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Availability , to provide an always-on experience
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Real-time bidding , to ensure the best possible price
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Risk leve l, to manage exposure and compliance
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Custom client preferences , allowing each business to prioritize what matters most , whether that’s speed , cost , availability , or risk .
Just like in card processing , the goal is to reduce failure rates, optimize costs, and increase user trust.
Rethinking the Payout Experience
One of the clearest examples of the impact of smart routing comes from our experience in China , a complex , high-demand corridor where traditional payout routes often fail . In the early days , our platform saw success rates of just 70% .
After implementing Dynamic Routing ®, success rates jumped to 94% , and business doubled in volume.
Now , we’re making that same technology available to you .
👉 Contact us to see how Dynamic Routing® can transform your payout flows here!
