FeeGuard Orchestrator: Payment Routing & Fee Minimizer
10/10
Demand Score
Rising MDR and platform-imposed fees erode margins immediately; merchants need fast relief without replatforming.
7/10
Blue Ocean
Competition Level
$500-5k
Price/Month
Predicted customer spend
12 days
Time to MVP
Difficulty: Hard
The Problem
A payment orchestration layer designed to cut platform transaction fees and lift approval rates without breaking storefront workflows. FeeGuard plugs into your e‑commerce platform via a lightweight ap
Competitor Landscape
- Spreedly
- Primer
- Gr4vy
- Adyen Smart Routing
- Braintree
Must-Have Features for MVP
Real-time cost-based routing across PSPs
Level 2/3 and DUCC data enrichment
Network tokenization and lifecycle management
Jurisdiction-aware surcharge/cash-discount engine
ACH/RTP fallback and retry logic
Portable token vault with vault-to-vault migration
Order/settlement reconciliation back to platform
Fee anomaly detection and clawback workflows
Processor A/B testing and contract simulator
⚠️ Potential Challenges
- PCI DSS Level 1 compliance and token vault certification
- Platform terms-of-service constraints
- Processor certifications and onboarding queues
- Complex tax/surcharge compliance across jurisdictions
Risk Level: Moderate
🎯 Keys to Success
- Demonstrated reduction in blended fees within 30 days
- >0.5–1.0% approval rate lift via tokenization and retries
- Drop-in integration that preserves checkout UX
- Accurate reconciliation with finance systems
- Clear compliance posture to pass legal/procurement review
Ready to Build This?
This hard-difficulty project could be your next micro-SaaS success.