Intelligent payment routing across providers

Automatically route transactions across 20+ payment gateways with intelligent failover, BIN management, and decline recovery to maximize payment success rates.

Intelligent Routing Engine

Automatically optimize payment success with smart routing logic and real-time failover

Payment Request

$99.99 Transaction
📍 US Customer
💳 Visa Card

Routing Logic

  • Check BIN restrictions
  • Evaluate gateway capacity
  • Apply routing priorities
  • Consider success rates
  • Route to optimal gateway

Stripe✅ Primary
Authorize.net🔄 Backup
PayPal⏸ Standby
Braintree⏸ Standby

Smart Failover

Automatically retry declined transactions through alternative gateways with customizable retry logic and delays.

  • Intelligent retry sequences
  • Gateway-specific decline codes
  • Customizable retry delays

// Get payment route
GET /routes/{route_id}
{ "route_name": "Primary Route", "route_reattempt": true, "route_reattempt_max": 3, "route_merchants": [{ "merchant_name": "Stripe" } ] }

BIN Management

Control transaction routing based on Bank Identification Numbers to prevent fraud and optimize success rates.

  • BIN blocking and allowlists
  • Country-specific routing
  • Risk-based decisions

// Get merchant with BIN management
GET /merchants/{merchant_id}
{ "merchant_name": "Authorize.Net", "bin_profile_id": 123, "priority_bin_profile_id": 456, "merchant_card_types": [{ "card_type_name": "Visa" } ] }

Load Balancing

Distribute transaction volume across multiple gateways to prevent overloading and maintain optimal performance.

  • Volume-based distribution
  • Gateway capacity limits
  • Dynamic load adjustment

// Route load balancing
GET /routes/{route_id}
{ "route_name": "Load Balanced Route", "route_merchants": [{ "merchant_name": "Stripe", "weight": 60 }, { "merchant_name": "PayPal", "weight": 40 } ] }

Fraud Prevention

Integrate with fraud detection services and implement custom rules to protect against chargebacks and fraud.

  • Third-party fraud integrations
  • Velocity checking
  • Custom risk scoring

// Campaign fraud prevention
GET /campaigns/{campaign_id}
{ "campaign_name": "Fraud Protected Campaign", "fraud_connection_id": 123, "offers": [{ "offer_name": "Premium Plan" } ] }

Supported Payment Gateways

Connect with 20+ payment providers through unified API integration

Stripe

Global payments with advanced fraud protection

Authorize.net

Trusted payment processing for 25+ years

PayPal

Digital wallet and alternative payments

Braintree

PayPal's full-stack payment platform

NMI

Network Merchants payment gateway

CCBill

High-risk merchant processing

Apple Pay

Secure mobile wallet payments

Google Pay

Fast, secure mobile payments

Cash

Offline payment processing

Check

Traditional payment methods

Enterprise Security & Compliance

Bank-grade security with comprehensive compliance standards

PCI DSS Level 1

Highest level of payment card industry compliance for secure transaction processing

Data Encryption

End-to-end encryption with advanced tokenization to protect sensitive payment data

Real-time Monitoring

24/7 transaction monitoring with instant alerts for suspicious activity patterns

Complete Payment Router Documentation

Learn about gateway configuration, routing rules, fallback strategies, and advanced payment orchestration features.

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