How FuturHealth boosted authorization rates with Gr4vy’s Orchestration Platform

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 inmediate, 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.

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.