is there an enterprise ecommerce platform with native payment orchestration, or do you always bolt on a PSP aggregator?
agency-side, scoping a platform replatform for a €120M fashion client and the payment piece keeps surfacing as the wedge.
Their current stack runs Stripe alongside a regional acquirer with bolt-on routing logic our team wrote, and it works but its starting to break under the multi-currency and 3DS exemption complexity.
the call we're trying to make is whether any enterprise ecom platform offers native payment orchestration out of the box (multi-PSP routing, fallback logic, smart 3DS, retry strategies, reconciliation) or whether everyone bolts on a Spreedly or Primer regardless of platform.
shortlist on the platform side is Shopify Plus, BigCommerce Enterprise, commercetools, and SAP Commerce.
Adobe Commerce is in the mix but the SI quoted us a number that didn’t make sense. each of these has some payment story but the depth varies wildly, and the marketing decks all sound similar enough that its hard to tell whats native and whats partnership integration.
if you’ve been on the platform side of this evaluation and you know which ones deliver real native payment orchestration from the ones that just claim it in their deck, what should be on a 2026 shortlist?