Model the full financial impact of your payment infrastructure: authorization rates, processing costs, compliance burden, and engineering effort. Built for US payment teams.
Observed range across 600M+ monthly transactions through our orchestration product
Card mix & rates
Credit card mix 60%
Rates are illustrative, adjusted for volume tiers. Your actual rates may vary based on card mix, MCC, and acquirer.
Checkout & downtime
Have you experienced PSP downtime?
PCI compliance
PCI approach
Routes acrossStripe·Adyen·Fiserv·Global Payments·Worldpay·Braintree·Checkout.com+ 300 moreRead more ↗
Line-by-line cost comparison · Annual
Each row shows what you spend today vs what you'd spend with Hyperswitch. Current Setup uses your slider inputs. With Hyperswitch shows the cost after routing optimisation, failover, and pre-built connector savings are applied. The delta between the two columns is your recoverable opportunity.
Line Item
Current Setup
With Hyperswitch
Ready to optimize your payment stack?
Connect 300+ PSPs via one API. Open source · PCI DSS 4.0 · 99.999% uptime.
Savings vary by GMV, card mix, and current auth rate. The three main levers are auth rate improvement from success-based routing and soft-decline retry, processing cost reduction through least-cost routing and BIN-level PSP selection, and engineering time freed from maintaining direct integrations. Adjust the sliders above to model your specific scenario.
ROI comes from recovered revenue on failed transactions, lower per-transaction fees from routing competition, and reduced engineering overhead. Use the GMV, auth rate, and card mix sliders to see a modelled ROI for your transaction profile.
Least-cost routing selects the PSP or acquirer with the lowest effective fee per transaction, based on card BIN, card type, amount, and currency. Small per-transaction savings scale significantly at volume. Set your GMV and card mix in this calculator to see the estimated annual fee reduction.
PSP downtime causes failed transactions that are rarely recovered without automatic failover. The revenue impact depends on your GMV, transaction frequency, and how long outages last. Select your downtime experience level above to see the estimated annual revenue at risk for your volume.
Hyperswitch has pre-built connectors to 300+ PSPs including Stripe, Adyen, Fiserv, Global Payments, Worldpay, Braintree, Checkout.com, Nuvei, and others. See the full list at hyperswitch.io/integrations.
Frequently asked questions
Cost depends on deployment model. SaaS involves a per-transaction orchestration fee with lower engineering overhead. Self-hosting replaces that fee with cloud infrastructure, PCI compliance, and engineering costs. Building in-house carries the highest engineering and compliance burden. Use the GMV slider and PCI toggle above to compare total annual costs across all three models.
The crossover depends on transaction volume and average transaction value. At higher GMV, the SaaS orchestration fee grows while self-hosting costs remain relatively fixed. Adjust the GMV slider on this tab to find the point where self-hosting becomes the lower-cost option for your setup.
Self-hosting requires dedicated engineers across development, infrastructure, and product to deploy, operate, and maintain the orchestration layer. The engineering cost card in the self-hosting column above shows the annual headcount cost for your team profile at your chosen GMV.
Building in-house covers engineering across developer, infrastructure, and product roles, PCI DSS compliance via QSA audit or card vault, and cloud infrastructure. Ongoing connector updates, scheme mandates, and retry logic add recurring costs. The Build In-house column above models the full annual TCO for your GMV and PCI approach.
SaaS is fastest to deploy with the lowest engineering overhead. Self-hosting suits teams that want full control over routing logic, data residency, and compliance scope at scale. Building in-house is rarely cost-effective against a modern orchestration platform. Use the qualifying criteria toggles above to get a recommendation based on your setup.
