Payshen founder and CEO Ratomir Jovanovic introduces non-custodial payment orchestration platform
Oct 23, 2026
Founded by Ratomir Jovanovic, Payshen brings multiple payment service providers together through one integration, with intelligent routing, payment visibility and direct merchant settlement.
New York City, United States, October 23, 2026 -- Payshen, a payment orchestration platform founded by technology entrepreneur Ratomir Jovanovic, is introducing a unified infrastructure designed to help businesses manage multiple payment service providers (PSPs), improve payment routing decisions and gain greater control over their payment operations.
The platform addresses a growing challenge for businesses operating across multiple markets: maintaining separate payment integrations while managing processing costs, transaction reliability and provider performance.
Ratomir Jovanovic, Founder and CEO of Payshen, a non-custodial payment orchestration platform designed for modern global businesses.
Simplifying payment infrastructure for global merchants
Businesses working with multiple payment providers often face fragmented reporting, inconsistent transaction statuses and complex technical integrations. These challenges can make payment operations expensive to maintain and difficult to optimize.
Payshen brings payment orchestration capabilities into a single technology platform. Its architecture is designed to allow merchants to connect their payment providers, configure routing preferences and monitor transactions through a unified interface.
The platform combines payment routing, provider connectivity, transaction monitoring and payment cost visibility to support more informed operational decisions.
"Businesses should have more control over their payment infrastructure without being forced into a single payment provider or processing model," said Ratomir Jovanovic, Founder and CEO of Payshen. "We are building Payshen to make payment orchestration more accessible, transparent and adaptable to the needs of merchants operating across different markets."
Intelligent payment routing with merchant control
Payshen's routing architecture is designed to evaluate payment provider eligibility, transaction characteristics, configured business rules and available performance information when determining appropriate payment routes.
The system supports configurable routing policies, transaction tracking and controlled failover logic. These capabilities are intended to help merchants manage payment provider availability and understand how routing decisions are made.
Core platform capabilities include:
Unified payment integration through a common application programming interface (API).
Intelligent routing based on provider eligibility, configured rules and available performance data.
Multi-provider connectivity for eligible payment processing accounts.
Controlled payment retries and failover mechanisms.
Consolidated transaction monitoring and payment status tracking.
Payment cost visibility and reconciliation support.
Developer tools and integration capabilities for custom payment workflows.
Production capabilities depend on each merchant's activated payment provider connections and configuration.
A non-custodial approach to payment orchestration
One of Payshen's defining architectural principles is its non-custodial operating model.
The platform is designed to operate as a technology layer between merchants and their payment service providers, without taking possession or control of transaction funds.
Payment providers process transactions and settle funds directly with merchants under their respective commercial agreements.
This structure allows businesses to retain their existing payment provider relationships while introducing an additional layer for orchestration, monitoring and routing management.
Payshen is intended for businesses requiring payment infrastructure flexibility, including SaaS companies, e-commerce businesses, travel platforms, marketplaces and other organizations managing complex payment operations.
Built by an experienced technology and product leader
Payshen was founded by Ratomir Jovanovic, a technology entrepreneur and product management professional with more than 18 years of experience across software development, SaaS, fintech and digital product strategy.
His professional background includes developing digital products, managing technical teams and leading product initiatives involving complex business systems.
With Payshen, Jovanovic is applying that experience to payment infrastructure, focusing on flexibility, operational transparency and the practical challenges businesses face when managing multiple financial technology providers.
The platform's development follows a broader objective of helping merchants maintain control over their payment technology while reducing unnecessary integration complexity.
About Payshen
Payshen is a non-custodial payment orchestration technology platform designed for businesses operating with multiple payment service providers. Its capabilities include unified integrations, intelligent payment routing, transaction monitoring and payment cost visibility.
Payshen does not receive, hold or settle merchant transaction funds. Payment processing and settlement remain with the merchants' payment service providers.
Learn more at https://payshen.com.
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