Send Every Payment the Best Way
Intelligent Routing is a real-time decision layer that evaluates each payment, and selects the optimal provider and flow. It is built for high-risk merchants and fintech platforms that need resilience across issuers and regions.
Integration Options
- Drop-in: Hosted/iframe checkout uses routing automatically.
- API & webhooks: Pass hints (BIN/risk/context) and receive route decisions.
- Sandbox: Simulate traffic across providers; preview impact before going live.
High-risk Superpowers
- Prefer local acquirers for local cards; handle cross-border friction.
- Decline patterns feed prevention rules and 3-DS step-up logic.
- Fall back to alternative payment methods when card rails underperform.
Controls You Own
- By country, BIN range, brand, amount, product/SKU, or risk band.
- Tune for margin or acceptance; set caps per provider.
- Time of day rules and low risk test traffic to new acquirers.
- One click provider pause; instant drains or ramp-ups during incidents.
Effective Intelligent Routing
Route in Real Time
<200 ms route by BIN, geo, method, issuer/PSP health, latency, and risk auto failover on timeouts.
Issuer Inference
Parse auth/soft decline codes; toggle 3DS, set retry windows, and apply BIN/MCC bank policies.
Payload Tuning
Network tokens, stored credential/MIT flags, AVS/CVV, SCA fields, L2/L3, descriptor hints per provider.
Orchestrate SCA/3DS
Policy-driven TRA/MIT/low-value exemptions; challenge only when required. Full audit trail.
Economic Routing
Optimize for total cost and performance: interchange, scheme, FX, acquirer fees; local presentment.
Economic Routing
Optimize for total cost and performance: interchange, scheme, FX, acquirer fees; local presentment.
Outcomes That Matter
Higher Approval Rate Across Markets and Issuers
A partner that works on remediation plans when ratios rise, rather than defaulting to termination.
Lower Processing Fees with Smarter Paths
Clear fee tables (including dispute fees), reserves policy, and termination terms, no surprises.
Fewer Interruptions Thanks to Automatic Failover
Detect PSP/issuer timeouts in real time and switch to secondary routes instantly; smart retries recover soft declines without user friction.
Clear Audit Trail for Partners and Compliance
Every decision is logged with reason codes, SCA status, route chosen, and timestamps, exportable reports for PSPs, auditors, and PSD2/PCI reviews.
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