In trading, growth is no longer limited by demand alone. It is limited by reach. If clients cannot deposit quickly, locally, and reliably, brokers lose volume at the exact moments volatility creates opportunity.In a Finance Magnates executive interview at iFX Expo Dubai, we spoke with Razi Salih, CEO at Paytiko, about how he sees the payments ecosystem evolving from 2025 into 2026 and Paytiko’s contributions to the payments industry.Mr. Salih’s message was consistent throughout the conversation. Payment orchestration is no longer a “should we have it” decision. It is a “which one do we choose” decision, driven by global expansion, localisation, and the growing complexity of payment methods.Orchestration is moving from optional to essentialMr. Salih said payment orchestration has become more mainstream and more essential for fintech players, including brokers, prop firms, and exchanges.“It’s not like, should I have orchestration or not? It’s which one?”He linked the shift to changes in payment strategies. According to Mr. Salih, firms are pushing into international processing and targeting smaller markets that were previously ignored. In that environment, neither a single PSP nor a single channel can cover everything.“With only one solution, no matter how good it is, it cannot cover all markets or all payment methods.”Beyond card routing: building a full payments ecosystemMr. Salih pushed back on the idea that orchestration is only about managing multiple PSPs or card routing. He described it as a broader ecosystem layer that helps businesses plug in multiple payment channels based on where they want to grow.He mentioned a wide range of methods he sees as increasingly important, including crypto processing, APMs, instant banking, and embedded finance.His framing was simple: if a broker wants to expand into new regions, it needs local payment options that feel familiar to end users.“From the user's point of view, seeing a localised solution you are familiar with, will make you want to work with the business more.”550 integrations, a mix of AI plus human supportMr. Salih said Paytiko enables merchants to access a large integrated network of payment providers and payment management technology.“We have over 550 payment solutions integrated in one ecosystem.”He described an onboarding approach where Paytiko analyses a client’s needs, including destination markets and target audiences, then advises on the right solution package.He also said the company uses its “Growth Hub”, an AI engine that helps merchants generate recommendations on which solutions to use to optimise processing. At the same time, he emphasised that Paytiko combines automation with manual expertise, including industry experience from the brokerage space.“We combine automation with manual labour.”Volatility and the payments requirement: speed beats the marketWhen the discussion turned to volatility in bullion markets, Mr. Salih argued that fast funding is not just convenient. It is operational survival.“Firms must allow their clients to top up immediately, faster than the volatility of the market, otherwise it is game over.”He said volatile conditions increase the need for both liquidity and payment capability that supports that liquidity. He also referenced demand dynamics in specific regions, including Korea, African markets, and India, where he said gold consumption is a notable factor.Why Razi Salih says Paytiko is a strong choiceWhen asked why Paytiko should be considered among the many orchestration vendors at the event, Mr. Salih highlighted security, adaptability, and pricing.He said Paytiko’s security posture is a major differentiator, built from lessons learned across the market.“We have built a solid technological infrastructure with secure levels against penetration. And this is something we constantly adapt, upgrade, and test ourselves.”He also said Paytiko’s cascading, processing, and routing logic is designed to be user-friendly for both startups and enterprise users.On pricing, Mr. Salih positioned Paytiko as a pure SaaS model with a fixed fee, not tied to transaction volume.“We charge a fixed fee. No transaction. No percentage, no rebates, nothing.”His claim is that this keeps costs stable as merchants grow, rather than increasing fees as volumes rise.What Paytiko expects in 2026: stablecoins and AI featuresLooking ahead, Mr. Salih said 2026 should be a strong year for crypto processing and stablecoin processing. He also said AI features will continue to expand, focused on helping merchants analyse data and optimise payment flows through simpler insights and recommendations.He used Dubai as an example of how quickly crypto and stablecoin use can become commonplace in daily payments, describing QR-based payments from crypto wallets and highlighting stablecoins as a digital form of money tied to fiat value.How Paytiko supports brokers of different sizesMr. Salih said brokers' needs differ by scale, and he described different approaches depending on maturity.For smaller brokers and startups, he said the focus is on packaging practical solutions that work as an entry point.For mid-sized businesses, he gave a volume range of 500k to 2 million and claimed orchestration can drive a measurable jump in performance.“Orchestration definitely increases from 15% to 20%, bringing more volume and approval ratios.”For enterprise brokers, he said, the work goes deeper. He argued that even firms that “have it all” still need to adapt because markets shift constantly, and new regions can become strategically important.He referenced growing interest in the Kazakhstan and Russian markets and said Paytiko handles research, integration, and provider negotiation, with an emphasis on choosing trusted, long-term partners.ConclusionMr. Salih’s argument at iFX Expo Dubai was that payments are now a growth lever rather than just an operational requirement. As brokers expand into more regions and face more complex payment preferences, orchestration becomes the layer that enables localisation, diversification, and resilience during volatility.He positioned Paytiko around three pillars: broad connectivity, a blend of AI plus human know-how, and a fixed-fee SaaS model. With stablecoins and AI-driven optimisation expected to accelerate in 2026, he framed payment orchestration as a core infrastructure decision for trading businesses.Paytiko is also listed in the Finance Magnates Directory. View the company profile here.About PaytikoPaytiko is a payment orchestration platform focused on fintech use cases, including trading companies such as brokers, prop firms, and exchanges. In this interview, Mr. Razi Salih, CEO at Paytiko, described Paytiko as an ecosystem layer that supports multiple payment channels, localisation by market, and access to more than 550 integrated payment service providers. He also said Paytiko combines AI-supported analysis with human expertise and operates on a fixed-fee SaaS pricing model.Paytiko won the Most Innovative Payment Orchestrator 2025 at the Finance Magnates Awards 2025Read More This article was written by Finance Magnates Staff at www.financemagnates.com.

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