AI Payment Orchestration Platforms Comparison 2026: Spreedly, Primer, Gr4vy and 7 More (Pricing & Free Plans)

Choosing an AI payment orchestration platform is harder than it looks. Most vendors do not publish prices, "AI" means different things from one product to the next, and few of them document Japanese-language support. Some use AI to analyze approval rates. Others use it to recover failed payments or to accept purchases made by AI agents.

This article compares 10 tools: Spreedly, Primer, Gr4vy, IXOPAY, Yuno, CellPoint Digital, Payrails, Rebilly, ProcessOut and Juspay Hyperswitch. For each one we cover pricing, free plans or trials, Japanese support, supported platforms, strengths and weaknesses. We compared them using each vendor's official website, checked in November 2026.

After the tool-by-tool sections, you will find picks by goal, tips for choosing without regrets, and answers to common questions. Where the data does not say something, we say so instead of guessing.

What Are AI Payment Orchestration Platforms? What They Do and What to Know Before Choosing

An AI payment orchestration platform sits between your business and your payment providers. It connects multiple gateways, payment methods and fraud tools through one integration. It then adds AI or machine learning for tasks such as routing, monitoring, analysis or recovery of failed payments.

Typical uses in the tools we reviewed include:

• Routing payments to a provider chosen with machine learning, as in Payrails Autopilot or ProcessOut AI Smart Routing.
• Asking questions about payment data in the dashboard, as with Primer Companion or IXOPAY IXO AI.
• Recovering failed payments through fallbacks, retries, or AI phone and WhatsApp conversations, as Yuno NOVA does.
• Monitoring fees to find anomalies and overcharges, as in Juspay Hyperswitch Cost Observability.
• Accepting purchases made by AI agents in environments such as ChatGPT, as Spreedly Agentic and Gr4vy do.
• Verifying identity with AI-assisted KYC document checks, as in Rebilly.

Before you choose, check what a free plan or trial actually covers. Rebilly offers a 30-day free trial on Basic. Juspay Hyperswitch has a free Community Edition that you host yourself and operate, including compliance. Most other tools in this group say "contact sales" and state no free plan.

Also check the pricing model and company size. Rebilly publishes monthly fees and a revenue fee. Yuno publishes add-on unit prices but not a base fee. Payrails targets large enterprises, and CellPoint Digital focuses on airlines and hotels. Many tools do not publish prices at all.

Japanese support is another point to verify. None of the 10 tools has a Japanese official website. Some list Japanese payment methods such as PayPay or convenience store payment (Konbini), but Japanese-language support is not confirmed for any of them. Check supported platforms too, such as dashboard, API, SDKs or self-hosting.

Comparison Table of Top 10 Tools (Pricing, Japanese Support, Platforms)

Tool	Main plans	Japanese support	Platforms
Spreedly	Independent from $750/month	Partial	Web (dashboard), API, Composer (visual workflow)
Primer	Contact sales	Not stated	Web (dashboard), API, Web SDK, iOS SDK and more
Gr4vy	Contact sales	Partial	Web (dashboard), API, SDK, Embed (hosted checkout) and more
IXOPAY	Contact sales	Partial	Web (portal), API, Adapter SDK, MCP Server
Yuno	Contact sales	Not stated	Web (dashboard), API, WhatsApp, Telegram, WeChat, Slack (Payments Concierge)
CellPoint Digital	Contact sales	Not stated	Web, API, Hosted payment page
Payrails	Contact sales	Partial	Web (dashboard), API
Rebilly	Basic $15/month / Pro $125/month / Common to both plans: 1% revenue fee on monthly revenue collected	Not stated	Web, API, FramePay (JavaScript)
ProcessOut	Contact sales	Not stated	Web (dashboard), API, Dynamic Checkout
Juspay Hyperswitch	Contact sales	Partial	API, Web (Control Center), Web SDK, iOS SDK and more

AIpedia has not rated these tools, because they do not have their own pages on AIpedia yet. Pricing and plans change; we checked each vendor's official website in November 2026. Check the latest information on the official website before you sign up.

Features, Pricing, and Best For: 10 Tools

1. Spreedly

Spreedly is a payment orchestration platform that connects multiple payment gateways, payment methods and fraud prevention services through a single integration. Its core is a PCI-1 compliant vault where merchants hold their own card data tokens. The official pricing page says it connects to more than 150 gateways.

Its AI-related offering is "Agentic," which accepts purchases that AI agents make on behalf of buyers in environments such as ChatGPT and Gemini. Payments run through the merchant's existing PSPs, and the merchant remains the merchant of record.

• Strengths: Merchants hold the tokens themselves, so customers do not have to re-enter their cards if the merchant switches payment providers.
• Strengths: Agentic supports the standards of OpenAI, Google, Visa and Mastercard through one integration. It also includes agent-specific tokens and consent and limit checks.
• Strengths: Composer lets payment staff build fraud prevention, 3DS and routing with no code, and run A/B tests and rollbacks.
• Things to note: Higher-tier features such as routing optimization require contacting sales. Optimize is described as adaptive routing and is not stated to use AI.
• Things to note: There is no Japanese official website, and Japanese-language support is not confirmed. The connection list includes Konbini, so check connections and conditions individually.

Pricing: No free plan or trial is stated. The Independent plan (holding payment tokens; PCI-1 compliant vault, unlimited storage) is from $750/month. Performance Optimization (network tokens, account updater, smart retry, PSP-agnostic routing, 3DS and fraud prevention, chargeback reduction, agentic commerce kit, etc.) is contact sales.

Best for: Merchants that want to own their card tokens and keep the freedom to change payment providers, and teams preparing for purchases made through AI agents. Platforms are the web dashboard, API and Composer (visual workflow).

2. Primer

Primer is an integrated payment infrastructure that handles payment acceptance, routing, fallbacks, 3DS, reconciliation, cost analysis and fund transfers on one platform. Its official website calls it "AI-powered unified payment infrastructure." It offers more than 500 connections through Primer for Partners, where payment providers build and publish connections themselves.

The core of its AI is "Companion," an assistant built into the dashboard. You ask questions in English about performance by processor, 3DS success rate or decline trends, and it suggests causes and next steps.

• Strengths: Companion is available to all merchants from the dashboard. It also notifies you proactively of drops in approval rate and surges in refunds.
• Strengths: The official FAQ states that Companion's data is not shared between merchants and is not used to train external models.
• Strengths: It offers fallbacks and automatic selection between a network token and a card number. SDKs are available for Web, iOS, Android and React Native.
• Things to note: Pricing is not public, so you need a quote before you can compare costs.
• Things to note: The website and documentation are in English only. Questions to Companion are assumed to be in English, and no support for Japanese payment methods or Japanese-language support was found.

Pricing: Contact sales. There is no pricing page on the official website (/pricing returns 404). According to the official website, Companion is available to all merchants from the dashboard, with no additional fee stated.

Best for: Teams comfortable working in English that want to analyze approval rates and declines through conversation in the dashboard. Platforms are the web dashboard, API, and Web, iOS, Android and React Native SDKs.

3. Gr4vy

Gr4vy is a cloud-native payment orchestration platform that gives each merchant a dedicated, single-tenant cloud instance. According to the official website, it connects to more than 400 payment methods, PSPs and fraud prevention providers through one universal API. From the no-code admin screen you can add providers and set routing and retry rules.

On the AI side, it announced the Agentic Developer Kit (ADK) on April 13, 2026. The kit runs on the Model Context Protocol (MCP) and lets merchants open a store inside AI environments such as ChatGPT and complete payments in the conversation.

• Strengths: A dedicated instance allows a setup that does not share infrastructure with other companies. It is PCI DSS Level 1 compliant and SOC2 Type 2 certified.
• Strengths: Routing, retry and fraud rules also apply to transactions made through agents, and the results are visible. The existing payment stack can stay as is.
• Strengths: The connection list includes PayPay via Adyen (for buyers in Japan) and convenience store payment (Konbini). Gr4vy for Platforms is a white-label version for sub-merchants.
• Things to note: Pricing is not public, and no plan for small businesses is stated.
• Things to note: AI-based routing optimization and analytics assistants are not promoted on the official pages. There is no Japanese website, and Japanese-language support is not confirmed.

Pricing: Contact sales. According to the official FAQ, the pricing model is custom, and no amounts are listed.

Best for: Mid-size to large merchants that want a dedicated instance and a path to agent-based purchases without replacing their payment stack. Platforms are the web dashboard, API, SDK, Embed (hosted checkout), Secure Fields and MCP.

4. IXOPAY

IXOPAY combines payment orchestration, tokenization and payments intelligence. On November 3, 2026, it announced "IXO One," an AI-native modular platform. According to the official website, it connects to more than 200 PSPs and more than 300 payment methods.

The AI assistant "IXO AI" answers questions about payment data. It traces drops in approval rate and rises in fees down to the PSP, issuer, BIN range, market and payment method, shows the impact amount, and recommends next steps.

• Strengths: Answers are based on the merchant's own normalized data and dedicated tools. Machine-learning anomaly detection covers approvals, costs and chargebacks.
• Strengths: You can start with the modules you need. According to the official FAQ, IXO AI can be used on its own by connecting to existing PSPs.
• Strengths: The Agentic Suite, announced September 9, 2026, records agent identity, customer consent and purchase intent with the token. The SoftBank adapter supports PayPay in JPY.
• Things to note: Pricing is not public, and the new IXO One pricing structure is planned for early 2027.
• Things to note: The assistant is called "IXONav" in a June 2026 announcement and "IXO AI" in later material. The relationship is not officially explained. No Japanese website or Japanese-language support is stated.

Pricing: Contact sales. No pricing is listed on the official website. According to the official blog, it is usage-based hybrid pricing that combines a base operating model with usage for token storage and additional features. General availability of the integrated IXO One and the new pricing structure is planned for early 2027, and existing products are still available for purchase now.

Best for: Teams that want AI-driven analysis of approval rates and fees across several PSPs, including those that want to try IXO AI first. Platforms are the web portal, API, Adapter SDK and MCP Server.

5. Yuno

Yuno is a payment orchestration platform that connects to more than 1,000 payment methods, PSPs and fraud prevention tools through a single API. Its website describes it as an "AI-native intelligence system for global payments." According to the official website, it is used in 190 countries.

It offers two notable AI agents. NOVA recovers failed payments through AI phone calls and WhatsApp. Payments Concierge monitors payment operations and, within permissions set by the merchant, changes routing settings and enables or disables PSPs.

• Strengths: Payments Concierge makes configuration changes, not just alerts, which can reduce the burden of payment operations. It can be used from WhatsApp, Telegram, WeChat and Slack.
• Strengths: NOVA works in 70+ languages. According to the official announcement, it recovers up to 75% of failed payments on answered calls.
• Strengths: A unit price table for add-on services is published on the official website. Agentic Commerce, announced January 21, 2026, manages sales on AI assistants.
• Things to note: The base fee is not public. The published table covers add-on services for contracted customers.
• Things to note: Automatic actions run within merchant-set permissions, so permission design is needed at implementation. The website is in English, Spanish and Portuguese, and Japanese support is not stated.

Pricing: Base fee is not public (contact sales). Add-on unit prices (USD, per transaction): Smart Routing $0.0101, Monitoring and Alerts $0.0103, Network Tokens $0.0150, Successful Transaction (Fraud Prevention) $0.0202, External 3DS API Call $0.0207, Risk Conditions $0.0305, 3DS Transaction $0.0353. These are prices as of contract signing, enabled through your key account manager and charged on the following month's invoice.

Best for: Global merchants that want AI agents to take over monitoring, configuration changes and failed-payment recovery. Platforms are the web dashboard, API, and WhatsApp, Telegram, WeChat and Slack for Payments Concierge.

6. CellPoint Digital

CellPoint Digital provides payment orchestration for the travel industry, including airlines and hotels. According to the official website, one connection reaches more than 400 payment providers. It lists Oman Air, Radisson Hotel Group and GOL as case studies.

On September 22, 2026, it announced "Zenith, by CellPoint," an AI decision-making platform. Zenith is a decision layer that can sit on top of its own or another vendor's orchestrator and models scenarios for routing, pricing and risk settings.

• Strengths: It supports industry-specific needs such as OOSD (Offer-Order-Settle-Deliver) retailing for airlines, multi-currency, split payments, refunds and reconciliation.
• Strengths: Zenith can be introduced without replacing existing payment infrastructure.
• Strengths: Each recommendation shows the reason, the evidence, the impact on profit and loss, and the person responsible. Payments experts set goals and manage results.
• Things to note: Pricing is not public. The website's messaging focuses mainly on airlines and hotels.
• Things to note: The number of connectable providers is stated as more than 400 on some pages and more than 410 on others. There is no mention of a Japanese website, deployments in Japan or Japanese payment methods.

Pricing: Contact sales. No pricing is on the official website. You can request a demo, or request a payment performance review, which estimates the effect of routing improvements using your own data from the past 12 months.

Best for: Airlines, hotels and other travel businesses that want industry-specific orchestration, or companies that want an AI decision layer on top of their current setup. Platforms are web, API and a hosted payment page.

7. Payrails

Payrails is a payments platform for large enterprises that have outgrown a single payment service provider. It offers orchestration, tokenization, chargebacks, reconciliation, unified analytics and Merchant of Record as modules. The official website describes it as "an AI-native payments operating system," with 100+ integrations including Adyen, Stripe, Checkout.com, PayPal, Worldpay, SAP and Salesforce.

Its distinguishing feature is "Autopilot," released on November 6, 2026. A model trained on each merchant's past payments estimates each provider's approval probability for every payment and routes to the highest one.

• Strengths: Each Autopilot decision is recorded with its estimated approval probability, so you can check the reason later. A declined payment is retried with the next untried provider.
• Strengths: Ask Payrails covers AI-drafted chargeback rebuttals, LLM-based reconciliation, fee monitoring and a natural-language analytics assistant, which can reduce post-payment work.
• Strengths: According to the official blog, in a deployment with a long-running A/B test, 22% of payments were routed to a different provider and approvals increased by 0.8%.
• Things to note: Pricing is not public. Autopilot requires at least 2 providers with training data and does not route to providers with no history.
• Things to note: There is no Japanese website. The Worldpay integration page lists Konbini, and the carrier billing documentation lists Japan, but Japanese-language support is not confirmed.

Pricing: Contact sales. There is no pricing page on the official website (/pricing returns 404). Request a demo to get a quote.

Best for: Large enterprises with several PSPs and enough payment history that want ML routing plus automation of chargebacks, reconciliation and fee checks. Platforms are the web dashboard and API.

8. Rebilly

Rebilly provides payment orchestration, subscription billing and invoicing, and KYC/AML on one platform. You can use multiple gateways with a single integration. The official page says unsupported gateways are integrated for free in 1 to 3 weeks.

Card data is tokenized in a PCI DSS Level 1 compliant vault. You can embed payments in your own checkout with FramePay (JavaScript), a payment form or the API.

• Strengths: The pricing page clearly states monthly fees and the revenue fee rate, and Basic can be tried free for 30 days.
• Strengths: You are charged only on invoices that are collected, and costs do not rise with the number of retries.
• Strengths: Orchestration, billing and KYC come from one company. The KYC add-on uses AI to verify the authenticity of ID and documents, with manual approval when a decision cannot be made.
• Things to note: AI features center on KYC. Routing is described as smart routing based on historical data and industry benchmarks, and AI use there is not stated.
• Things to note: KYC and AML add-on pricing is not public. There is no mention of a Japanese website, Japanese payment methods or Japanese-language support.

Pricing (USD): Basic $15/month (30-day free trial, no credit card required, 1 gateway account). Pro $125/month (up to 10 gateway accounts, full rules engine and workflow automation, volume discount of up to 50% based on monthly revenue). Both plans have a 1% revenue fee on monthly revenue collected, a $0 transaction fee, and $0.05 per 3D Secure authentication. KYC and AML are add-ons; contact sales for pricing.

Best for: Subscription businesses and smaller teams that want published pricing and a free trial. Platforms are web, API and FramePay (JavaScript).

9. ProcessOut

ProcessOut combines payment orchestration through a single API with payment data analytics. According to the official About page, it started in 2016 and was acquired by Checkout.com in 2020. It continues to operate as an independent business unit and says it contractually guarantees it stays provider-agnostic.

Its core AI feature is "AI Smart Routing," which uses statistical models and machine learning instead of fixed rules to select a provider for each transaction. Telescope is its payment monitoring tool.

• Strengths: The official website explains how its AI routing works. Failed transactions can be retried instantly with a different provider.
• Strengths: Telescope can ingest data from your existing PSPs to diagnose room for improvement. It offers benchmarks across more than 190 countries and more than 10 industries.
• Strengths: It connects to more than 100 payment providers through one API. Dynamic Checkout can optimize the payment methods shown to each customer.
• Things to note: Pricing is not public.
• Things to note: We could not find official announcements of AI features for purchases through AI assistants or agents. There is also no mention of a Japanese website, Japanese payment methods or Japanese-language support.

Pricing: Contact sales. No pricing is listed on the official website; inquire by requesting a demo.

Best for: Merchants that want machine-learning routing and cross-provider analytics, including those who want to diagnose their current PSPs first. Platforms are the web dashboard, API and Dynamic Checkout.

10. Juspay Hyperswitch

Juspay Hyperswitch is an open-source payment orchestration platform written in Rust. India's Juspay released it in 2022. You can deploy and operate it yourself on the cloud or on-premises, or use Juspay's managed service, Hyperswitch Cloud.

It offers machine-learning routing that reflects PSP success rates and outages in real time to raise first-attempt authorization rates. Cost Observability, described as "AI-powered" in the documentation, detects fee anomalies and overcharges.

• Strengths: The Community Edition is free to self-host, and you can inspect the source code. The About page cites over 42,000 GitHub stars.
• Strengths: Routing options include rule-based, volume-based and debit routing. Retries can be configured with more than 30 parameters.
• Strengths: It includes a vault, a PSP-agnostic 3DS flow, reconciliation, and native checkout SDKs for Web, iOS and Android.
• Things to note: Enterprise Edition and Hyperswitch Cloud prices are not public. The free edition requires you to handle operations and PCI compliance yourself.
• Things to note: There is no Japanese website. PayPay (JPY) appears in the parent company Juspay's integrations list, but use as a Hyperswitch connector is not confirmed.

Pricing: Self-Host Community Edition is free (self-operated, compliance managed by you, support via the public Slack channel and GitHub Discussions). Self-Host Enterprise Edition is contact sales. Hyperswitch Cloud is contact sales (the pricing table includes hosting costs). Paid editions come with SLA-backed technical support and a dedicated key account manager. Cost Observability is a paid add-on with a 3-month free trial, according to the official FAQ.

Best for: Engineering-led teams that want open-source control and can run operations and compliance themselves. Platforms are API, Web (Control Center), Web SDK, iOS SDK, Android SDK and self-hosted deployment.

Recommendations by Goal

Goal	Recommended	Why
Start with a free plan or trial	Rebilly, Juspay Hyperswitch	Rebilly Basic has a 30-day free trial, and the Hyperswitch Community Edition is free to self-host.
See prices before contacting sales	Rebilly, Yuno	Rebilly publishes plan fees ($15/month and $125/month), while Yuno publishes add-on unit prices but not its base fee.
Analyze payment data by asking questions	Primer, IXOPAY	Companion and IXO AI both answer questions about approval rates and declines and suggest next steps.
Accept purchases made by AI agents	Spreedly, Gr4vy	Spreedly Agentic and the Gr4vy Agentic Developer Kit both handle agent purchases using existing payment stacks.
Japanese payment methods	Gr4vy, IXOPAY	Gr4vy lists PayPay via Adyen and Konbini, and IXOPAY's SoftBank adapter supports PayPay in JPY.
Travel industry	CellPoint Digital	It focuses on airlines and hotels and supports OOSD retailing, split payments, refunds and reconciliation.
Large enterprise with several PSPs	Payrails, ProcessOut	Payrails targets large enterprises with ML routing, and ProcessOut uses machine learning to select among 100+ providers.
Open-source or self-hosted control	Juspay Hyperswitch	It is open source, with a self-hosted option on the cloud or on-premises.

Japanese-language support is not confirmed for any of these tools, so verify it directly with the vendor. Check the official website for the latest pricing and features.

How to Choose Without Regrets

Start with how each tool charges

Pricing models differ more than feature lists do. Rebilly publishes Basic at $15/month and Pro at $125/month, each with a 1% revenue fee on monthly revenue collected. Spreedly lists its Independent plan from $750/month.

Primer, Gr4vy, IXOPAY, CellPoint Digital, Payrails, and ProcessOut do not publish prices. Expect to request a quote or demo, and plan time for that step.

Check for a free plan or trial

Few tools in this group offer a free way to test. Rebilly offers a 30-day free trial on Basic with no credit card required. Juspay Hyperswitch offers a free Self-Host Community Edition and a 3-month free trial of Cost Observability.

The free Hyperswitch edition means you handle operations and PCI compliance yourself. Spreedly does not state a free plan or trial. Check the official website for the latest pricing and features.

Match the AI feature to your real problem

The AI features solve different problems. Primer and IXOPAY offer assistants that analyze approval rates and fees. Payrails and ProcessOut focus on machine-learning routing, and Yuno adds an agent that can change settings.

Spreedly and Gr4vy center their AI offerings on purchases made through AI agents. Rebilly uses AI mainly for KYC document checks. Pick the tool whose AI matches your need.

Confirm Japanese support early

None of the ten tools states Japanese-language support. Several list Japanese payment methods. Spreedly and Gr4vy list Konbini, and Gr4vy and IXOPAY list PayPay.

Payrails lists Konbini through Worldpay. For Juspay Hyperswitch, PayPay appears for Juspay, but use as a Hyperswitch connector is unconfirmed. Verify each connection and condition with the vendor.

Consider your size and industry

Payrails is aimed at large enterprises using multiple providers. CellPoint Digital focuses on airlines and hotels. Rebilly's published entry plan and subscription billing suit smaller teams that want clear costs.

Juspay Hyperswitch suits teams with engineering capacity to run open-source software. Check each vendor's fit against your volume, industry, and staffing before shortlisting.

FAQ

Q. Which of these tools publish their prices?

A. Rebilly and Spreedly publish starting prices. Rebilly lists Basic at $15/month and Pro at $125/month, and Spreedly lists the Independent plan from $750/month. Yuno publishes a unit price table for add-on services, such as Smart Routing at $0.0101 per transaction, but its base fee is not public.

Q. Is there a free plan or free trial?

A. Rebilly Basic includes a 30-day free trial with no credit card required. Juspay Hyperswitch has a free Self-Host Community Edition, and its Cost Observability add-on comes with a 3-month free trial. Spreedly does not state a free plan or trial. Check the official website for the latest pricing and features.

Q. Which tools have AI assistants for analyzing payment data?

A. Primer offers Companion, which answers English questions about approval rates, 3DS success rates, and decline trends. IXOPAY offers IXO AI, which shows causes and impact amounts and recommends next steps. Payrails offers Ask Payrails, which includes a natural-language analytics assistant.

Q. Which tools support purchases made through AI agents?

A. Spreedly offers Agentic for payments initiated by AI agents in environments such as ChatGPT and Gemini. Gr4vy offers the Agentic Developer Kit, and IXOPAY offers the Agentic Suite. Yuno offers Agentic Commerce. ProcessOut has no such announcement that we could confirm on its official website.

Q. Can these tools be used in Japan?

A. None of them states Japanese-language support, and none is confirmed to have a Japanese official website. Gr4vy lists PayPay via Adyen and Konbini, and IXOPAY supports PayPay in JPY through the SoftBank adapter. Spreedly and Payrails list Konbini. Confirm connections and conditions with each vendor before adopting.

Summary

The 10 tools differ most in what their AI does, how they price, and who they target. Primer and IXOPAY emphasize data assistants. Payrails, ProcessOut and Juspay Hyperswitch emphasize ML routing. Spreedly and Gr4vy center on agent purchases. Yuno adds recovery and configuration agents.

Most tools do not publish prices. Only Rebilly and Juspay Hyperswitch state a free option, and Spreedly lists a starting price. No tool has a Japanese website, so verify Japan needs directly with each vendor.

• Want to try before paying → Rebilly (30-day free trial on Basic, published plan prices)
• Want open-source control → Juspay Hyperswitch (free self-hosted Community Edition)
• Want to ask questions about payment data → Primer (Companion in the dashboard, English questions)

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