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.
Intelligent Routing, Higher Approvals, Lower Cost
Chargebacks trigger a complex, costly dispute cycle. Make sure to Treat chargebacks as a KPIs, monitor them weekly/daily and have a mitigation plans.
Revenue Uplift
Cost Optimization
Resilience & Control
Integration Options
- Drop-in: Hosted/iframe checkout uses routing automatically.
- API & webhooks: Pass hints (e.g., BIN/risk/context) and receive route decisions.
- Sandbox: Simulate traffic across providers; preview impact before going live.
Adaptive Payment Routing
Value in One Glance
- Route each transaction to the acquirer/PSP most likely to approve it.
- Fee aware paths choose cost efficient rails without hurting conversion.
- Auto-failover if a provider is slow or down, no manual intervention.
High-risk Superpowers
- Prefer local acquirers for local cards; handle cross-border friction.
- Decline patterns feed prevention rules and 3-DS step-up logic.
- SCA/SMS OTP markets, restricted BINs, and age/KYC gates respected per route.
- 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.
Observability & Ops
- See why each route was chosen.
- Latency/timeout/error-rate dashboards with alerting.
- Compare providers, rules, and 3DS policies safely.
- Push outcomes to your BI, CRM, and risk systems.
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.
Learn & Adapt
Feed approvals/declines/chargebacks into A/B routes; auto-shift to the better path. Versioned rules + reason codes.
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
Instant dispute alerts + a live dashboard so you can act within deadlines and avoid auto-losses.
Clear Audit Trail for Partners and Compliance
Network alerts/RDR, dynamic 3-D Secure, and pre-chargeback workflows that resolve issues before they hit your ratio.
Start Optimizing Your Payments Today
Experience the power of intelligent transaction routing and a seamless payment ecosystem with PayFirmly.
