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Provider · DIY · Orchestration — how to choose
Three paths for cross-border collection: bind to one provider, integrate several yourself, or use neutral orchestration above several. They solve different layers — one table makes the trade-offs clear.
| Dimension | KeepPay (neutral) | Single provider | DIY multi-integration |
|---|---|---|---|
| Card data ownership | In your name (neutral vault) | Settles with them | You store it (own PCI) |
| Channel flexibility | Switch / add any time | Locked to one | Possible, huge effort |
| When a channel is banned | Auto-reroute, no lost orders | Lost orders | Build cascade yourself |
| Integration | One integration, one dashboard | One per provider | N contracts, N dashboards |
| Decline / renewal optimization | Cascade / retry / updater built-in | Depends on them | Build it all |
| PCI compliance | Base carries it, scope shrinks | They carry it, you’re locked | You carry Level 1 |
| Time to launch | Fast | Fast | Slow |
| Chinese-language support | Hands-on in Chinese | Varies | Your own team |
When to add orchestration
1
You use or plan 2+ channels;
2
Your declines / renewal failures run high;
3
You want card data in your own hands, switchable any time, not locked to one collector.
Note: orchestration doesn't replace collection providers — it sits above them. You still need real collectors; orchestration lets you use several freely and switch any time.
Not sure which path fits you?
We'll give a neutral recommendation on your current channel mix.