For years, the Wikimedia Foundation’s payment infrastructure was a constraint on its mission: expensive to maintain, slow to adapt, and spread across providers, with no single view of performance. Partnering with Gr4vy changed that. Within 12 months of consolidating on a single orchestration platform, Wikimedia recorded more than $3 million in measurable returns from overhead reduction, donation growth, processing cost savings, and payment optimization.

About Wikimedia Foundation

The Wikimedia Foundation is the nonprofit organization behind Wikipedia and a suite of free knowledge projects, collectively among the most-visited websites on the internet. Operating across 145 countries and more than 60 currencies, Wikimedia funds its mission entirely through donations from millions of individuals worldwide. With no advertising revenue and a mandate to keep knowledge free, the efficiency and reliability of its donation infrastructure are directly tied to its ability to serve that mission at scale.

“We knew Gr4vy would change how we managed payments. What we didn’t fully anticipate was the scale of the financial impact: three million dollars in measurable returns in the first year.“

“We used to spend 80% of our time building infrastructure. Today, we are increasingly able to invest  in innovation.“

— Evelyn Martin, Sr. Manager Donation Processing at Wikimedia Foundation

The Challenge

Over decades of growth, the Wikimedia Foundation assembled a payment stack that reflected the complexity of its ambition: multiple payment service providers, dozens of payment methods, and connections built and maintained by its own technology team. The system worked, but it had become a significant constraint on their ability to move quickly, reduce costs, or adapt to a fast-changing payments landscape.

The total annual cost of donation processing had exceeded $8 million. Every dollar spent on processing fees, integration maintenance, and engineering overhead was a dollar not directed toward Wikimedia’s core mission. Adding a new payment service provider required, on average, 18 months of development effort, while a new payment method took between three to six months.

As the fundraising landscape evolved and new payment methods, providers, and localization requirements emerged, the team found itself spending more capacity sustaining existing infrastructure than building the features and tools that could directly improve fundraising outcomes.

Key constraints

• Time to market: new PSP integrations averaged 18 months; payment methods three to six months.
• Engineering overhead: the team’s capacity was heavily consumed by payment maintenance, reducing availability for other key improvements.
• Fragmented operations: service teams had to log in to 6-8 payment consoles to access transaction data, resulting in inefficiency and longer response times.
• Limited routing control: without the ability to dynamically direct traffic across providers, Wikimedia had limited leverage to optimize conversion rates or reduce real-time processing costs.
• Operational risk: dependence on a complex, internally maintained stack with limited failover capability posed a material risk heading into peak fundraising season.

The Solution

A single orchestration layer across the entire payment stack was the answer to these constraints. Gr4vy’s cloud-native, dedicated-instance architecture provided Wikimedia with a unified layer through which all PSP connections, payment methods, routing logic, and operational tooling could be managed without having to rebuild every integration from scratch.

The migration was executed ahead of peak fundraising season. Wikimedia processed its entire peak season on the new platform without a single payment issue being reported.

“Gr4vy didn’t just reduce our costs and improve our conversion rates. It gave us back the capacity to focus on what actually matters.“

— Evelyn Martin, Sr. Manager Donation Processing at Wikimedia Foundation

Faster access to providers and payment methods

With Gr4vy’s pre-built connections covering 400+ PSPs and payment methods, Wikimedia’s path to adding new providers shifted from an 18-month engineering project to a configuration exercise. Since going live, the team has onboarded two additional PSPs with minimal involvement from internal developers, and new payment methods are now added within hours, not months.

Flexibility to test, optimize, and reduce costs

Gr4vy gave Wikimedia control over how donation traffic was distributed across payment providers, making it easier to test new providers, compare performance, and allocate transaction volume based on business priorities. Prior to orchestration, evaluating alternative providers or shifting traffic often required significant development effort and operational overhead.

By introducing a flexible routing layer and failover capabilities, Wikimedia gained a practical way to assess provider performance across different markets, geographies, and payment scenarios. This is helping improve resilience while creating opportunities to reduce processing costs and increase approval rates over time.

A consolidated operational view

Through Gr4vy’s single console, Wikimedia’s teams gained unified visibility across all payment activity for the first time. Where previously teams logged in to  6-8 provider portals to run inquiries or reconcile transaction data, a single view now covers most of the flow. The operational time saving across teams is substantial, particularly during peak fundraising periods.

The result is a payment operation that increasingly depends less on engineering cycles to evolve. Wikimedia can now try new providers, activate new payment methods, and respond to performance data in real-time. As Evelyn Martin, Principal Payments Officer at Wikipedia, put it: “We process donations in 145 countries across dozens of currencies. The complexity of that operation had become a real constraint on our ability to move quickly or optimize performance. With Gr4vy, we added new payment providers with minimal engineering work and came through our peak season without a single payment issue.”

Results: $3+ M savings in year one

After one full year of running 90% of its payment volume through orchestration, the Wikimedia Foundation conducted a comprehensive ROI analysis and identified the primary areas where value was created.

• Donation growth: greater visibility into transaction performance and fraud patterns helped the team improve donation conversion rates, contributing more than $2 million in additional donation revenue.
• Faster time to market: new market-specific payment methods, such as Vipps, Pix Automático, and Blik, went live in days rather than months, and PSP onboarding dropped from an 18-month project to a no-code process completed in clicks.
• Driving performance: new payment providers can now be onboarded and evaluated rapidly, enabling continuous experimentation and faster, data-driven decisions without development overhead.

Gr4vy platform features

• Multi-PSP routing: Gr4vy connects merchants to multiple PSPs through a single integration, without additional development work for each new provider.
• Failover routing: automatic failover ensures that if a PSP becomes unavailable or applies a policy restriction, transactions are routed to an alternative provider in real time, eliminating the single point of failure that previously put the business at risk.
• Future-proof payment architecture: instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code.
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.

Beyond ROI: An Operational Transformation

The financial returns are the most directly measurable outcome of the Gr4vy deployment. But the operational shift is equally significant for Wikimedia’s longer-term trajectory.

Wikimedia’s technology team is now engaged in Wikimedia’s FY27 annual planning cycle, working on a priorities list that is, for the first time in years, largely unrelated to upgrading or maintaining payment connections.

The payments treadmill has been seriously diminished. In its place: a platform where new providers are onboarded in clicks, new payment methods are live in hours, and the teams responsible for donor experience, finance, and operations have the tools and visibility they need without depending on an engineering queue.

Gr4vy is the cloud-native payment orchestration platform built on a dedicated Infrastructure-as-a-Service (IaaS) model. With a single integration, businesses access 400+ payment methods, PSPs, and anti-fraud tools, all managed from a no-code dashboard. Built on dedicated cloud instances, Gr4vy eliminates the risk of a single point of failure while maintaining full data sovereignty, resilience, and performance at scale.

Unpack how FuturHealth, a leading U.S. digital health platform, partnered with Gr4vy to modernize its payments infrastructure, reduce failed transactions, and dramatically improve authorization rates. With Gr4vy’s cloud-native orchestration platform, FuturHealth gained the control, flexibility, and resilience needed to support seamless care delivery at scale.

About FuturHealth

FuturHealth is a digital healthcare platform serving over 1.5 million patients across 48+ states in the U.S. Built on the belief that access to care should be as easy and dependable as ordering anything else online, FuturHealth connects patients to personalized, affordable medical services through technology-enabled experiences. With rapid growth and a focus on innovation, FuturHealth continues to lead the evolution of consumer-centric digital health.

“Gr4vy gave us the flexibility and control we needed to fix our payments performance. The improvements to our authorization rate were immediate, and the platform has made it easier for us to move quickly and adapt to changing needs.”

— Luke Mahoney, CEO and Co-Founder at FuturHealth

The Challenge

FuturHealth turned to Gr4vy to overhaul its payments infrastructure with a smarter, more flexible orchestration approach. Gr4vy’s cloud-native platform enabled FuturHealth to implement dynamic routing across multiple PSPs and activate built-in retry logic—improving authorization rates and recovering transactions that would have previously failed. Instead of losing revenue to technical limitations, FuturHealth can now intelligently route payments based on provider performance, region, or business rules, ensuring higher approval rates with less friction.

The transformation didn’t stop at routing. Gr4vy’s no-code dashboard empowered FuturHealth’s team to test and deploy new payment strategies instantly—without relying on engineering resources or long development cycles. From adjusting routing logic to enabling new providers or methods, changes that once took months now take minutes. This has allowed FuturHealth to respond in real time to shifts in PSP performance, card network reliability, or patient behavior.

Gr4vy also worked closely with FuturHealth to design a tailored optimization strategy specific to the needs of healthcare transactions.

The result is a modern, resilient, and future-proof payment architecture. With Gr4vy, FuturHealth is no longer constrained by outdated routing or limited PSP options. Instead, it operates with a flexible orchestration layer that scales alongside its business, reduces operational costs, and enables a smoother, more dependable checkout experience for every patient. 

The industry in numbers

• Only 85% of recurring healthcare payments are approved on the first attempt—leading to billions in lost revenue annually.¹
• 40% of patients say they’ve experienced care delays due to issues paying online or unclear billing processes.²
• Payment friction accounts for up to 15% of digital abandonment in healthcare platforms.³
• More than 70% of healthcare organizations plan to invest in modern payment technology to improve patient experience and reduce processing costs.⁴

Source: ¹. InstaMed Trends in Healthcare Payments Report, ². Cedar 2024 Healthcare Consumer Study, ³. McKinsey Digital Health Insights, ⁴. HIMSS Analytics

The Solution

FuturHealth turned to Gr4vy to overhaul its payments infrastructure with a smarter, more flexible orchestration approach. Gr4vy’s cloud-native platform enabled FuturHealth to implement dynamic routing across multiple PSPs and activate built-in retry logic—improving authorization rates and recovering transactions that would have previously failed. Instead of losing revenue to technical limitations, FuturHealth can now intelligently route payments based on provider performance, region, or business rules, ensuring higher approval rates with less friction.

Remarkably, the entire integration was completed in just 27 days, enabling FuturHealth to accelerate time to value and move quickly without adding operational complexity.

The transformation didn’t stop at routing. Gr4vy’s no-code dashboard empowered FuturHealth’s team to test and deploy new payment strategies instantly—without relying on engineering resources or long development cycles. From adjusting routing logic to enabling new providers or methods, changes that once took months now take minutes. This has allowed FuturHealth to respond in real time to shifts in PSP performance, card network reliability, or patient behavior.

Gr4vy also worked closely with FuturHealth to design a tailored optimization strategy specific to the needs of healthcare transactions.

The result is a modern, resilient, and future-proof payment architecture. With Gr4vy, FuturHealth is no longer constrained by outdated routing or limited PSP options. Instead, it operates with a flexible orchestration layer that scales alongside its business, reduces operational costs, and enables a smoother, more dependable checkout experience for every patient. 

Gr4vy platform features

• Multi-PSP & smart routing: Ensure redundancy and enhance authorization rates with automatic failover capability, ensuring uninterrupted service during acquirer outages. Create individual workflows to route transactions and optimize approval rates without having to code. 

• Integrated fraud prevention providers maximize acceptance rates and minimize fraud exposure, providing a safer, frictionless experience. Optimize acceptance rates with sophisticated 3DS and Network Tokenization integration.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code or having to allocate internal teams. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.
• Increase conversion rates: Offering customers their preferred payment methods will boost your sales and increase conversion rates, reducing checkout drop-off. Tailor the payment experience to each shopper based on cart items, shopping history, currency or your own metadata.
• Real time insights: Access real time transactional data to optimize your payment stack. Explore all transactions in one dashboard and gain detailed insights to make data driven decisions, improving your payment processes and strategy for optimal results.
• Own your data: Gr4vy allows any card data to be used across multiple PSPs, enabling seamless provider switching or migration. Easily import and export card data; 3DS configuration and network tokens from any PSP. 

PlayHQ, an all-in-one sports management platform helping families manage registrations, payments, and fixtures, partnered with Gr4vy to enable Mastercard Click to Pay at checkout. Through Gr4vy’s no-code orchestration platform, PlayHQ seamlessly integrated Click to Pay to deliver a faster, safer, and more convenient payment experience. Since launch, Click to Pay has become the most-used payment option on the platform, driving a 6.9% increase in approval rates and helping more families complete their sports enrolments with ease.

Context

PlayHQ is an all-in-one sports management platform, targeted towards parents with children engaged in sporting activities, which allows them to access and manage registrations, payments, fixtures, live scoring, statistics.

Challenge

PlayHQ noticed that after users completed enrolment into their sport, users would drop-off at checkout. This negatively impacted enrolment rates into sporting events on the app.
To address these concerns, PlayHQ worked with Gr4vy and Mastercard to roll out Click to Pay for their online checkout.

Results

Since implementing Click to Pay, PlayHQ have seen improvements in approvals of 6.9%. Click to Pay is now the most used payment option at checkout.
Through Click to Pay’s seamless interface and enhanced security features, PlayHQ’s customers are enjoying peace of mind.

Why customers just click with Click to Pay

Implementing Click to Pay has reduced friction in sports participation via PlayHQ.

“Click to Pay complements the PlayHQ mission perfectly, enabling parents to pay and secure their child’s spot in just a few clicks without any of the fuss. Since implementing Click to Pay, we’ve seen improvements in approvals and conversion at checkout. Click to Pay’s seamless experience and security features make it perfect for our customers by providing them peace of mind and speed.”

Tim MacKinnon, CEO, PlayHQ

Core customer benefits

Flexibility: Stores multiple cards across interoperable schemes in one secure profile which can be accessed on any device. Unlike other payment options, there are no additional fees to use Click to Pay.

Convenience: Easy and quick online checkout that removes the need to enter payment details when registering for sporting events online.

Security: Mastercard’s NuDetect tool works seamlessly behind the scenes, running fraud checks and monitoring user behaviour in real time. Network Tokenisation ensures that a customer’s card details are not exposed to bad actors at checkout.

The customer journey

PlayHQ customers can breeze through online checkout with peace of mind using Click to Pay’s embedded experience.

How Mastercard worked with PlayHQ and Gr4vy to optimise checkout

Reviewed the product and how Click to Pay could optimise the checkout

1. Ran technical deep-dive on Click to Pay
2. Ran joint technical discovery with Mastercard, Gr4vy and PlayHQ
3. Scoped technological build and reviewed integration documents

Project implementation

Key Technical Provider

PlayHQ integrated Click to Pay through Gr4vy, a no-code payment orchestration platform that empowers enterprises with full control to automate, customise and optimise their payment strategy.

• Maximise your revenue: Optimise payments to increase conversion.
• Reduce complexity: open new markets faster by leveraging a curated set of payment acceptance, processing and optimisation tools tailored to your business needs.
• Own your strategy: Build bespoke workflows and manage your card data securely, all from a single platform, giving you complete visibility and control over your entire payments ecosystem.

Gr4vy platform features

• Multi-PSP & smart routing: Ensure redundancy and enhance authorization rates with automatic failover capability, ensuring uninterrupted service during acquirer outages. Create individual workflows to route transactions and optimize approval rates without having to code. 
• Integrated fraud prevention providers maximize acceptance rates and minimize fraud exposure, providing a safer, frictionless experience. Optimizes acceptance rates with sophisticated 3DS and Network Tokenization integration.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code or having to allocate internal teams. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.

Gr4vy’s payment orchestration platform empowers you to optimize and scale your stack, unlock new revenue streams, and expand to new markets, giving you full control over your payment strategy. Built on an IaaS model, Gr4vy allows you to customize and optimize every checkout experience through one simple, universal integration.

Click here to contact us for further information today

Discover how Trek, a global leader in bicycle design and manufacturing, partnered with Gr4vy to unify its payment infrastructure, simplify Buy-Online-Pickup-In-Store (BOPIS) transactions, and deliver a frictionless checkout experience that connects digital convenience with local retail fulfillment.

About the customer

Trek Bicycle is a global brand known for innovation in cycling and a mission-driven approach to sustainability and mobility. With a presence in over 90 countries, Trek designs and manufactures bicycles, gear, and accessories for every kind of rider. From professional athletes to daily commuters, Trek is committed to removing barriers and making cycling accessible, fun, and transformative for all.

“Partnering with Gr4vy has transformed how we approached payments, enabling us to seamlessly integrate options like BNPL and local shop inventory in a single checkout experience.”

— Steve Novoselac, Vice President of IT and Digital of Trek.

The challenge

As BOPIS became a cornerstone of modern retail, Trek faced mounting pressure to deliver a fast, reliable, and connected shopping experience. Customers expect to check local inventory in real-time, purchase online, and pick up in-store without delays, payment failures, or confusion over product availability. But this hybrid commerce model introduces complexity behind the scenes, particularly when coordinating inventory systems, managing transactions across different merchants of record, and supporting diverse payment preferences across global markets.

Trek’s legacy setup made it difficult to unify payment flows across online and in-store transactions. Managing multiple payment service providers (PSPs), introducing new methods like digital wallets or BNPL, and ensuring region-specific compliance required significant resources and customization. Additionally, Trek needed a solution that could handle payments and inventory synchronization across their broad retail network without adding friction or slowing down innovation.

The stakes were high, not just for customer satisfaction, but for operational efficiency and brand trust. Any disconnect between payment confirmation and in-store inventory risked canceled orders, frustrated customers, and strained relationships with retail partners. Without a unified view of transactions and fulfillment, reconciling payments across regions and merchants became increasingly complex, especially during seasonal peaks and product launches. Trek needed a payment infrastructure that could bridge the gap between digital demand and physical supply, while maintaining the agility to adapt, scale, and innovate in a rapidly evolving retail landscape.

The industry in numbers

• 50% of consumers choose retailers based on in-store pickup availability, making BOPIS a critical competitive advantage.
  (Source: Salesforce, Shopping Index Report)
  
• Abandoned carts due to a lack of payment options account for up to 9% of missed sales in eCommerce.
  (Source: Baymard Institute)
  

Global bicycle market is expected to reach $147.2 billion by 2027, driven by sustainability trends, urban mobility, and online retail growth.

(Source: Fortune Business Insights)

The solution

By integrating Gr4vy’s cloud-native payment orchestration platform, Trek reimagined its online-to-offline experience. Gr4vy provided the infrastructure to route transactions dynamically across PSPs, manage multiple merchants of record under one unified checkout, and simplify the complex backend logic behind BOPIS transactions. Instead of stitching together disconnected systems, Trek gained a centralized layer of control—one that delivers flexibility, speed, and resilience at every step of the payment flow.

Through its partnership with Locally, Gr4vy enabled real-time inventory visibility from Trek’s vast network of independent retailers. Customers browsing Trek’s site can now see what’s in stock nearby, complete their order with their preferred payment method, and seamlessly pick up their purchase in-store. This connection between payments and fulfillment is fully automated: once a transaction is authorized, details are instantly shared with both Trek and the fulfilling retailer, reducing delays, errors, and manual coordination.

Beyond the frontend experience, Gr4vy gave Trek the agility to rapidly expand and localize payment options. With consumer demand rising for digital wallets, BNPL, and regional methods, Gr4vy’s no-code interface allowed Trek’s team to roll out new options in days, not months. Combined with built-in support for 3DS, fraud tools, and tokenization, the platform helped Trek reduce cart abandonment, boost authorization rates, and ensure regulatory compliance across all markets, without taxing internal engineering resources.

Critically, Gr4vy’s single-tenant, PCI Level 1-compliant infrastructure gave Trek the confidence to scale globally without compromising security or performance. Whether launching in a new country or adapting to new data regulations, Trek can spin up dedicated Gr4vy instances in specific regions to meet local compliance standards and optimize transaction speed. With Gr4vy powering the core of its payments architecture, Trek has transformed a once-complex process into a seamless, scalable engine for hybrid retail success.

Gr4vy platform features

• Multi-PSP & smart routing: Ensure redundancy and enhance authorization rates with automatic failover capability, ensuring uninterrupted service during acquirer outages. Create individual workflows to route transactions and optimize approval rates without having to code. 
• Integrated fraud prevention providers maximize acceptance rates and minimize fraud exposure, providing a safer, frictionless experience. Optimizes acceptance rates with sophisticated 3DS and Network Tokenization integration.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code or having to allocate internal teams. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.

Discover why Mattilda, a Mexico City–based company providing collections management and payment processing for private schools, partnered with Gr4vy to unlock a new business line that became the company’s second-largest growth driver, tailoring payment stacks for every school and achieving a 20% increase in acceptance rates.

The Challenge

Mattilda is transforming how private schools manage tuition collection and financial operations across Latin America. As they expanded beyond factoring into payment collection—and into new geographies —their core challenge became clear: how to manage collections on behalf of their clients without becoming the merchant of record, while still delivering personalized experiences and maintaining control.

This meant enabling each school or institution to operate with its own tailored payment stack—complete with specific rules, preferred payment methods, and localized acquiring—to support unique customer journeys, optimize payment performance, and ensure rich data visibility. At the same time, Mattilda needed fast access to local payment methods and PSPs to optimize margins across multiple markets.

The scale and complexity of supporting various institutions, each with different PSP preferences, quickly made it clear that building this infrastructure in-house wasn’t viable. Not only would it take months to build each integration, but maintaining and scaling a growing library of local PSPs would slow time to market and tie up valuable resources.

“Gr4vy’s payment infrastructure has been a game changer for us, helping us accelerate time to market across multiple geographies. With seamless integration of tailored payment solutions, we’ve allowed our customers to focus on what truly matters.”

— José Agote, Mattilda’s CEO

The industry in numbers

• The education payments platform market is booming, expected to grow from $15.2B in 2023 to over $55B by 2033, driven by digital transformation in school finance systems.
• Payment collection remains a challenge, with millions of students falling behind on tuition and loan repayments, signalling inefficiencies in current systems.
• Many schools still rely on outdated methods like cash and checks, despite 86% of U.S. transactions happening via digital payments—highlighting a major opportunity for modernization.

The Solution

To launch Mattilda Pay, a fully branded and independent payment experience, Mattilda turned to Gr4vy. More than a payment orchestration platform, Gr4vy provided the white-label infrastructure they needed, capable of managing multiple merchants, enabling tailored payment stacks, and supporting rapid geographic expansion. With seasonal peaks ahead and Colombia as their next key market, Gr4vy delivered the speed, flexibility, and control Mattilda needed to scale confidently while cutting 60% of payment costs through smarter orchestration.

Using Gr4vy for Platforms, Mattilda can deploy dedicated instances for each client, creating localized, white-labeled payment environments for every school they support. Traditionally, this would have required Mattilda to operate as a PayFac, taking on complex compliance and risk. Instead, Gr4vy enables a bring your own acquirer model, allowing each school to retain its acquiring relationships while benefiting from a unified interface.

Gr4vy’s no-code dashboard accelerates onboarding and customization, while access to more than 400 PSPs, multiple fraud tools, 3DS, and network tokenization gives Mattilda a powerful and future-ready toolkit without the need for heavy development.

With Gr4vy, Mattilda is transforming how educational institutions manage payments, offering branded and optimized experiences that grow with every client while significantly reducing costs.

Gr4vy platform features

• More than 400 Payment Methods to choose from: Gr4vy continuously expands its library of PSPs and payment methods, ensuring you’re always equipped with the latest innovations in payments.
• Create bespoke payment stack: flexibility to configure different payment providers for each sub-merchant, enabling you to manage connections and routing logic individually. 
• Integrated fraud prevention providers: Maximize acceptance rates and minimize fraud exposure with a safer, more frictionless payment experience. Benefit from built-in 3DS and Network Tokenization for optimized performance.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods, and build dynamic workflows directly into your checkout—no code or internal resources required.
• Infrastructure as a Service: Deploy a dedicated instance that scales across regions, ensures compliance with data privacy laws, and eliminates the risks of shared server performance bottlenecks.

Discover why JustGiving, the UK’s most trusted fundraising platform, partnered with Gr4vy to modernize its global payment infrastructure—unlocking flexibility, reducing operational complexity, and ensuring donors around the world can give seamlessly, securely, and at scale.

The Challenge

JustGiving initially approached Gr4vy with a specific need: to enable cryptocurrency donations. As crypto giving gained traction—particularly among younger, tech-savvy donors—JustGiving recognized the importance of offering more modern, flexible payment options to meet evolving donor expectations.

While the idea of accepting crypto was compelling, building an in-house solution came with significant challenges. Supporting crypto payments would have required JustGiving to navigate complex regulatory requirements, integrate with volatile blockchain networks, ensure secure custody of digital assets, and manage real-time currency conversion—all without compromising trust or user experience. For a platform focused on maximizing fundraising impact, this level of technical and compliance overhead posed a major distraction from their core mission.

At the same time, JustGiving’s global reach introduced additional complexity. With donations flowing in from over almost every country in the world, the organization needed to support a wide range of payment methods, currencies, and regional compliance standards. Managing disparate PSP relationships and reconciling cross-border transactions created operational friction, while limiting their ability to quickly scale or optimize for conversion across regions. Centralizing their payment operations had become a strategic imperative—yet doing so with legacy infrastructure or fragmented tools would be both costly and time-consuming.

To truly modernize, JustGiving needed a platform that could unify their payments stack, provide seamless control over routing and provider selection, and adapt quickly to new methods like crypto—all without the burden of building custom infrastructure. That’s where Gr4vy came in.

“Gr4vy’s connection capabilities have enabled us to keep up with payment trends and expand our reach making donating simpler for all. “

— Oliver Shaw-Latimer, Senior Director of Payments and 
 Innovation at JustGiving

The industry in numbers

• Digital Dominance in Donations: In 2023, 63% of donors preferred to give online using credit or debit cards, underscoring the importance of robust digital payment infrastructures for nonprofits.
• Surge in Cryptocurrency Contributions: Cryptocurrency donations have exceeded $2 billion since 2018, with over $1 billion donated in 2024 alone, reflecting the growing acceptance of digital assets in philanthropy.
• Impact of Modern Payment Methods: Offering diverse payment options like PayPal and Venmo can significantly boost donations; for instance, repeat donations can increase by 76% when using PayPal.

_{Source: 1. Bloomerang.co, 2. BusinessWire, 3. Bloomerang.co}

The Solution

Gr4vy’s cloud-native orchestration layer gave JustGiving the flexibility, control, and scalability they had been missing. With one centralized integration, JustGiving can route transactions intelligently across multiple providers based on geography, payment method, or business logic, improving reliability during high-traffic periods and unlocking new opportunities to optimize for cost, conversion, and resilience. Gr4vy also enabled JustGiving to unlock a new donation channel through cryptocurrency. By integrating with The Giving Block via Gr4vy’s orchestration layer, JustGiving was able to quickly introduce crypto donations, without the need for a complex, time-intensive in-house build.

Over a short period of time, this capability facilitated approximately US$1,874,000 in additional donations, expanding how supporters can contribute and helping JustGiving reach new donor segments. What began as a targeted effort quickly evolved into a broader transformation. JustGiving migrated its entire card and Click to Pay volumes onto Gr4vy, consolidating payments through a single orchestration layer. This removed the need to hard-code logic or manually manage PSP relationships, saving engineering time and future-proofing their infrastructure. With Gr4vy’s no-code control and built-in tools like 3DS, tokenization, and fraud integrations, JustGiving can adapt in real time and meet donors wherever they are, across card, crypto, wallets, and local payment methods.

Gr4vy platform features

• Multi-PSP & smart routing: Ensure redundancy and enhance authorization rates with automatic failover capability, ensuring uninterrupted service during acquirer outages. Create individual workflows to route transactions and optimize approval rates without having to code. 

• Integrated fraud prevention providers maximize acceptance rates and minimize fraud exposure, providing a safer, frictionless experience. Optimize acceptance rates with sophisticated 3DS and Network Tokenization integration.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code or having to allocate internal teams. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.
• Increase conversion rates: Offering customers their preferred payment methods will boost your sales and increase conversion rates, reducing checkout drop-off. Tailor the payment experience to each shopper based on cart items, shopping history, currency or your own metadata.
• Real time insights: Access real time transactional data to optimize your payment stack. Explore all transactions in one dashboard and gain detailed insights to make data driven decisions, improving your payment processes and strategy for optimal results.
• Own your data: Gr4vy allows any card data to be used across multiple PSPs, enabling seamless provider switching or migration. Easily import and export card data; 3DS configuration and network tokens from any PSP.

Discover how Australia’s leading baby retailer transforms payments by embracing flexibility, enhanced fraud prevention, and higher authorization rates with Gr4vy.

About Baby Bunting  

Baby Bunting is Australia’s largest specialty retailer for baby goods, offering an extensive selection of products and services aimed at meeting the needs of new and expectant parents. With a commitment to delivering seamless shopping experiences, both online and in-store, Baby Bunting understands the importance of a reliable, flexible, and secure payment system to support its growing customer base.

“The appeal of Gr4vy was about taking control of our payments landscape so that we could actively optimize to deliver the best customer experience and commercial outcomes. With Gr4vy we can evolve at the pace of payment and not at the pace of a single PSP. “

— Rod Williams, general manager digital & online

The challenge 

Baby Bunting faced several challenges with its previous single-acquirer payment setup, which posed considerable risks as the business grew. This structure created a single point of failure, meaning any provider outages or technical issues could disrupt transactions, resulting in revenue loss and customer dissatisfaction. Additionally, the limited flexibility restricted the range of payment options available, impacting the ability to meet evolving customer preferences and adapt to new payment trends.

Furthermore, a single-provider setup reduces flexibility in managing transaction costs, as it restricts the ability to route transactions to the most cost-effective or high-authorization ways. Businesses relying on one provider have less negotiating power for better rates and may struggle to adapt quickly to market demands or adopt new technologies. Without multiple providers, internal resources may be stretched thin, especially if the provider lacks integration support for essential services like fraud prevention. 

Embracing a payment orchestration platform allowed Baby Bunting to work with multiple providers simultaneously and enhance resilience, flexibility, and adaptability, ensuring they can keep pace with a dynamic payment landscape while delivering a reliable and versatile payment experience for their customers.

Baby Bunting key pain points

• Dependency on a single-acquirer model: limited flexibility to switch or add new payment providers, reducing adaptability to evolving customer payment preferences.
• Resource-heavy payment expansion teams: each new payment integration required substantial time and resources from internal teams, slowing down the implementation of innovative payment solutions.
• Reduce operational complexity: multiple interfaces for reporting and reconciliation required significant time from internal teams and reliance on various systems.

The solution 

By adopting Gr4vy as their payment orchestration provider and migrating all their payment volume, Baby Bunting has streamlined its payment management process. Leveraging a dual-acquirer setup with failover routing rules, Baby Bunting saw an increase of 2.8% in authorization rates within the first four months of the operation, reducing lost transactions and driving revenue growth. This improvement in authorization rates has significantly reduced demand on the call center, enhancing operational efficiency. Gr4vy played a key role in these advancements, contributing to Baby Bunting’s 10% year-over-year sales growth, which included record online sales, surpassing $120 million.

Additionally, Gr4vy’s seamless integration of 3DS and Network Tokenization, combined with advanced fraud prevention from Baby Bunting’s chosen fraud provider, has minimized fraud risk while delivering a secure checkout experience.

This setup also enables Baby Bunting to swiftly introduce new payment options like PayID, significantly accelerating time-to-market for new methods without burdening internal teams.
This strategic move empowers Baby Bunting to scale efficiently and provide a more seamless payment experience for its customers. By selecting Gr4vy as its payment orchestration layer, Baby Bunting is now well-equipped to continue providing exceptional customer experiences, drive growth, and stay ahead in the dynamic payments landscape.

Gr4vy platform features

• Multi-PSP  & smart routing: Ensure redundancy and enhance authorization rates with automatic failover capability, ensuring uninterrupted service during acquirer outages. Create individual workflows to route transactions and optimize approval rates without having to code. 
• Integrated fraud prevention providers: maximizes acceptance rates and minimizes fraud exposure, providing a safer, friction less experience. Optimizes accept rates with sophisticated 3DS and Network Tokenization integration.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code or having to allocate internal teams. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance.

Discover how Gr4vy’s payment orchestration capabilities enabled Setplex to support their customers’ existing payment providers while expanding their operations globally. 

About Setplex 

Setplex provides simple, powerful, and scalable OTT (over-the-top) solutions to over 80 operators worldwide – from content preparation, management and monetization, to video delivery, multi-screen apps and analytics.

“Partnering with Gr4vy has allowed us to rapidly scale our global operations and broaden our payment method offering to meet the diverse needs of our partners and clients. Thanks to this collaboration, we can now deploy local payment types without coding, saving us months of development work to integrate with multiple 
PSPs individually.”

— Lionel Dreshaj, Co-founder & CEO

The challenge 

As Setplex expanded and enabled numerous providers to launch comprehensive OTT solutions globally, the need for a payment partner became increasingly evident. Meeting local data regulations and ensuring each of Setplex’s customers had the proper support for their own PSP of choice proved to be a big challenge.

Without a reliable partner, the infrastructure required to build and maintain payment integration for providers and users across multiple regions would divert the team from its core business, slowing down its ability to scale rapidly.

Additionally, as Setplex expands its operations and adds more customers to its platform, the complexity around payments grows. Managing all connections and setting up specific flows for each customer becomes more demanding. This is especially true for a company offering monthly subscriptions, where features such as recurring payments and account updater are not just beneficial but essential for maintaining a seamless user experience. Preventing consumers from having to enter their card details on a subscription renewal reduces payment failures, improves customer experiences, and increases retention.

The industry in numbers

The rise of OTT platforms has led many consumers to move away from traditional cable and satellite TV and instead favor internet-based streaming services.

• The global market for OTT is experiencing exponential growth, and it’s projected to reach 
$215 billion by 2029, underscoring the continued dominance and expansion of OTT services.
• The global user base is expected to increase to 3.71 billion by 2024.
• Major players like Netflix, Disney+, and Amazon Prime Video dominate OTT revenues. In 2023, it accounted for around 60-65% of global OTT revenue.
• Asia-Pacific is one of the fastest-growing regions, particularly driven by India and China, with growth rates exceeding 20% year over year.
• Fragmentation is a key issue, with users often subscribing to multiple services, leading to increased churn rates.
• The pandemic had a lasting effect on the OTT industry, accelerating user adoption. The industry saw a surge in both new subscriptions and engagement levels, with some services witnessing as much as 25-30% growth during lockdowns.

The solution 

By choosing Gr4vy as an orchestration layer, Setplex gained access to 400+ payment methods, anti-fraud, and PSPs globally, ensuring they meet their clients’ preferred payment providers. This move saves them thousands of development hours and reduces operational costs by eliminating the need to maintain individual APIs.

Gr4vy also supports Setplex with a multi-merchant operation, enabling them to set up an independent payment infrastructure for each merchant. Through a PCI-compliant platform that runs on individual instances of the cloud, Gr4vy allows Setplex to deploy payments anywhere globally, ensuring they meet data regulations in different countries. 

Setplex can now offer clients a unique platform to boost their payment strategy, add new payment methods and fraud providers, tokenize transactions, and create custom checkout experiences—all in one place.

Gr4vy key features supporting Setplex: 

• Mix and match of PSPs: Instantly add, test and deploy new payment methods and create dynamic workflows that are directly deployed into your checkout without writing code.
• Multi-merchant orchestration: create independent payment infrastructure for each merchant, supporting multiple operations globally through a single platform.
• Smart routing: create individual workflows to route transactions and optimize approval rates without having to code. 
• Account updater: automatically updates stored card details, keeping all information up to date so you can reduce payment failures and increase retention. 
• Infrastructure as a Service: a dedicated instance that can be deployed and scaled across regions to meet data privacy laws and mitigate the risk of shared servers slowing down your business performance. 
• PSP agnostic: Avoid vendor lock-in by working with multiple payment providers and managing all your payment stacks in one place.

Discover why Australia and New Zealand’s largest retailer, Woolworths 
Group, chose Gr4vy’s payment orchestration platform (POP) technology 
to power its Wpay payment platform.

Established in 1924, Woolworths Group is New Zealand and Australia’s largest retail group, offering a range of products to its 24 million customers, across a growing network of businesses. The group represents one of the largest processors of card payments in Australia, settling an annual value of more than $87 billion in payments across more than 1.5 billion transactions in 2023 alone. 

Wpay, a new standalone payment business launched by Woolworths Group in June 2022, extends the benefits of the investments the group has made in its payments platform to other merchants who may not have the scale to build it themselves.

Wpay is a proven retail payments platform, designed for retailers. Originally developed for the Woolworths Group, Wpay is now available for its customers across Australia and New Zealand. Wpay is a comprehensive merchant platform that can be tailored and will continually evolve to meet clients’ changing needs, helping deliver powerful customer experiences.

“Wpay is committed to investing in leading-edge payment capabilities and technologies to help service our retail businesses and provide the best possible customer experience as part of our Wpay payments platform. I’m excited about this partnership, and what it will bring to our merchants’ customer payments experiences and look forward to collaborating in the future.”

— Paul Monnington, Managing Director of Wpay

The Challenge

As consumer behavior and risk profiles continue to shift, Wpay needed a nimble and agile platform to deploy and manage payment complexities, and offer advanced payment optionality to Woolworths brands and other Wpay merchants in Australia through one integration. It was also important for Wpay to have its payments data in market and not introduce unnecessary latency onto its payments platform with its partner selection.

Following a successful proof-of-concept, Woolworths selected Gr4vy and its payment orchestration platform technology to power its Wpay payments platform, and accelerate the offering’s product development and innovation agenda. 

Key stats at a glance

With retail continuing to grow across Australia and New Zealand, here are some insights into the region:

• Woolworths Group serves 24 million customers across a growing network of businesses
  
• Wpay processed more than $87 billion in card payments across 
more than 1.5 billion transactions 
in 2023 alone
  
• Woolworths Group has 372,000 shareholders, many of whom are everyday ‘mum-and-dad’ investors
  
• In 2023, total retail turnover for Australia was approximately $425 billion Australian dollars – an increase of over $14 billion from 2022
  
• The New Zealand retail market size was valued at $79.2 billion NZ dollars in 2021 and is expected to achieve a CAGR of more than 4% during 2021-2026
  
• An average of 24.5 million customers shop across Woolworths Group every week, with Australian sales increasing by 17.4% in 2023
  
• Woolworths group generated 
$64 billion in sales for 2023, cementing it’s place as one of Australia and New Zealand’s 
largest retailers

The Solution

Gr4vy and Wpay collaborated to carefully identify and deliver specific product and payment orchestration infrastructure capabilities to implement that would enhance Wpay’s existing comprehensive payment platform and product offerings. 

As a result, through Wpay’s payment platform, powered by Gr4vy’s IaaS payment orchestration platform, merchants onboarded through Wpay can now offer even more exceptional payment optionality, streamline and manage transactions on both the front- and back-end of the checkout,and drive better customer payment experiences.

Gr4vy product features

• Cloud-native infrastructure – Move payments to our Infrastructure-as-a-Service platform and eliminate risk of a single point of failure, with bespoke resilience and regional cloud instances.
  
• Maximize conversion – Our no-code workflow engine optimizes approval rates and lets you customize payment flows, with automated failover rules for personalized checkout experiences.
  
• Single integration – Access unlimited payment providers, 100+ payment methods, and global anti-fraud providers through one low-code integration, with options for embedded checkout, hosted secure fields, API, or e-commerce platform plugins.
  
• PSP agnostic – Avoid vendor lock-in by working with multiple payment providers through our agnostic vault, with centralized PCI DSS Level 1 certification for secure data collection, storage, and transaction tokenization across multiple PSPs.
  
• Reduce risk – Manage fraud, trigger risk services, and decline high-risk transactions to avoid unnecessary costs, with options to use anti-fraud providers, control 3DS, and set custom rules throughout the transaction lifecycle.

Discover how we can help you today

Discover why world-leading mobile top-up service, Ding.com, partnered with Gr4vy to accelerate global expansion in its core business, and offer payment optionality, connectivity and functionality to the customers of its distribution platform, DingConnect

Ding was founded in 2006 to improve people’s lives by helping those with less gain access to more. As the number one international mobile top-up service in the world, Ding’s users have successfully sent close to half a billion top-ups globally, via the app, online at Ding.com, and in-store at over 600,000+ retail outlets worldwide. Ding delivers a top-up every second, via 700+ operators, across 150+ countries – helping families and friends around the world to stay connected.

“The partnership with Gr4vy will support Ding’s payment strategy and expansion plans, removing the complexity of offering new payment types and accelerating speed to market when entering new markets. Ding chose Gr4vy’s cloud-first API offering as it stood out from other payment orchestration providers, allowing us to be more flexible and agile in supporting Ding’s long-term goals.”

— Micheál Egan, Head of Payments at Ding.com

The Challenge

As Ding.com continued to expand its global footprint, it needed a payments partner that could seamlessly connect to regional PSPs, gain faster access to alternative payment methods, and do all this while minimising the company’s PCI scope and meet regional payment data regulations. 

In addition to supporting seamless payment in Ding’s core business, it also needed a payments partner that could extend the same payments optionality to its platform distribution partners through DingConnect.

Key stats at a glance

As more consumers turn to mobile phones, the prepaid economy will continue to expand, making the ability to pay for international mobile top-up services more crucial industry-wide.

• Ding delivers a top-up every second, via 700+ operators across 150+ countries
  
• Ding’s users have sent almost half a billion top-ups globally via the app, online, and in-store at over 600,000 retail outlets
  
• The worldwide smartphone market is predicted to reach 1.53bn units shipped by 2026
  
• From 2022 to 2030, there are expected to be nearly one billion more unique mobile subscribers within the global mobile ecosystem
  
• Additionally, in that same time period, the number of SIM connections and mobile internet users are expected to increase just as rapidly, reaching nearly 1.5 billion additional connections over one billion additional users respectively
  
• The global online mobile recharge platform market is expected to grow at a CAGR of 5.45% from 2023-2030
  
• Credit cards were the most common method to add money to prepaid mobile payment services in Japan, according to a survey conducted in 2022

The Solution

Ding selected Gr4vy’s no-code platform for its seamless connectivity to payment options and orchestration functionality to support its growth into new international markets. In a matter of weeks, Ding was able to offer all existing Local Payment Methods (LPMs) via Gr4vys platform making them available to its users in Asia, Africa, Europe and Latin America through Dings customisable checkout with no maintenance burden.

Gr4vy’s front end orchestration capabilities have enabled Ding to personalise the payment options it offers to users in real time. For example, where once a Ding partner in Brazil could only fund with Boleto they are now offered Pix, Brazilians favourite way to pay as one of their primary payment options, while another Ding user’s checkout in Germany can be personalised to prioritise PayPal as the preferred payment option – all leveraging Gr4vy’s no-code workflow rules.

Launching new payment methods has never been more simple. Ding recently launched Venmo as a payment method for its US based customers. In the past, integrating a new gateway and adding a new LPM might have taken 3-6 weeks but now through Gr4vys platform this took just 3 days!

Gr4vy’s multi-merchant capabilities enable Ding to offer the same payment optionality, connectivity and functionality to its Ding Connect customers. This Gr4vy functionality allows Ding to seamlessly manage connections, routing logic, and other configurations on behalf of its distribution partners.

Gr4vy product features

• Cloud-native infrastructure – Move payments to our Infrastructure-as-a-Service platform and eliminate risk of a single point of failure, with bespoke resilience and regional cloud instances.
  
• Maximize conversion – Our no-code workflow engine optimizes approval rates and lets you customize payment flows, with automated failover rules for personalized checkout experiences.
  
• Single integration – Access unlimited payment providers, 100+ payment methods, and global anti-fraud providers through one low-code integration, with options for embedded checkout, hosted secure fields, API, or e-commerce platform plugins.
  
• PSP agnostic – Avoid vendor lock-in by working with multiple payment providers through our agnostic vault, with centralized PCI DSS Level 1 certification for secure data collection, storage, and transaction tokenization across multiple PSPs.
  
• Reduce risk – Manage fraud, trigger risk services, and decline high-risk transactions to avoid unnecessary costs, with options to use anti-fraud providers, control 3DS, and set custom rules throughout the transaction lifecycle.

Discover how we can help you today