# Payments Modules

Hyperswitch offers a **modular, open-source payments infrastructure** designed for flexibility and control. Apart from our Payment Suite offering, this solution allows businesses to **pick and integrate only the modules they need** on top of their existing payment stack without unnecessary complexity or vendor lock-in.

Each module is **independent and purpose-built** to optimize different aspects of payment processing:

<table data-view="cards"><thead><tr><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><mark style="color:blue;">Cost observability</mark></td><td><a href="payments-modules/ai-powered-cost-observability">ai-powered-cost-observability</a></td></tr><tr><td><mark style="color:blue;">Revenue recovery</mark></td><td><a href="payments-modules/revenue-recovery">revenue-recovery</a></td></tr><tr><td><mark style="color:blue;">Vault</mark></td><td><a href="payments-modules/vault">vault</a></td></tr><tr><td><mark style="color:blue;">Intelligent routing</mark></td><td><a href="payments-modules/intelligent-routing">intelligent-routing</a></td></tr><tr><td><mark style="color:blue;">Reconciliation</mark></td><td><a href="payments-modules/reconciliation">reconciliation</a></td></tr><tr><td><mark style="color:blue;">Alternate payment methods</mark></td><td><a href="payments-modules/enable-alternate-payment-method-widgets">enable-alternate-payment-method-widgets</a></td></tr></tbody></table>

1. **Cost observability**\
   It is an advanced observability tool for payment cost optimization. It empowers businesses to uncover hidden cost-saving opportunities, review fees, downgrades & penalties, optimize processing strategies, and detect anomalies-all through a self-serve dashboard designed to Audit, Observe and Optimize payments costs. [Read more](https://docs.hyperswitch.io/explore-hyperswitch/account-management/analytics-and-operations/ai-powered-cost-observability)
2. **Revenue recovery**\
   It tackles passive churn by optimizing recurring payments with intelligent retry strategies tailored to diverse parameters like card bin, ticket size, region, payment method & 15 more. It integrates seamlessly with existing payment stacks and boosts recurring success rates while reducing penalties and operational complexities. It focuses on - Ease of integration, transparency of payment attempts and control - kind of retry algorithm, penalty budget, retry split and more. [Read more](https://docs.hyperswitch.io/explore-hyperswitch/payment-flows-and-management/subscriptions/revenue-recovery)
3. **Vault**\
   Payment Methods and Vaulting Service to securely store tokens, bank & wallet credentials and raw card details, ensuring data safety and compliance. It provides a unified view of all user-linked payment methods, enabling efficient management and seamless transaction experience for repeat users. [Read more](payments-modules/vault)
4. **Intelligent routing**\
   It maximizes First Attempt Authorization Rate (FAAR) by dynamically selecting the PSP with the highest auth rate, minimizing failures and reducing retries. It proactively prevents payment processor downtime impact, avoids excessive retry penalties, and eliminates unnecessary latency, ensuring a seamless payment experience. [Read more](https://docs.hyperswitch.io/explore-hyperswitch/payment-flows-and-management/smart-router/intelligent-routing)
5. **Reconciliation** \
   Simplify payment operations with a unified reconciliation framework for 2-way or 3-way reconciliation, with automated data fetching from multiple processors and banks. This module reduces manual effort, minimizes errors, and provides clear visibility into payment data with features like - back-date and staggered recon, output customization and more. [Read more](https://docs.hyperswitch.io/explore-hyperswitch/account-management/reconciliation)
6. **Alternate payment methods**\
   Embeddable payment buttons for seamless one-click checkout with alternate payment methods like PayPal, Apple Pay, Google Pay, Samsung Pay, Pay by Bank or BNPL providers like Klarna. The widget routes the transaction independently and dynamically to one or more connected PSPs, maximizing conversions. [Read more](https://docs.hyperswitch.io/explore-hyperswitch/merchant-controls/enable-alternate-payment-method-widgets)

And more coming soon ...

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[roadmap-q2-2025](roadmap/roadmap-q2-2025)
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