Implement payment orchestration with automatic PSP failover using a routing layer

Steps

1. Build or adopt a payment router that receives a normalized charge request and selects a PSP based on configurable rules (cost, acceptance rate, currency, card network).
2. For each PSP, implement a normalized adapter that translates the common charge request into PSP-specific API calls and maps responses back to a common result schema.
3. On a soft decline or network timeout from the primary PSP, the router retries on a secondary PSP using a new idempotency key to avoid double charges.
4. Track per-PSP acceptance rates and error rates in a time-series store; feed this data back into routing weights so lower-performing PSPs receive less traffic automatically.
5. Implement a circuit breaker per PSP: after a configurable number of consecutive errors, stop routing to that PSP for a cool-down period.
6. Ensure your vault or tokenization layer can provide the raw PAN or a per-PSP network token so the fallback PSP can authorize the card.