Complete guide to payment routing

Complete guide to payment routing



Routing is one of the crucial elements of payment processing. Your conversion and approval rates directly depend on how you route your transactions. If you work with a single payment service provider, there’s not much you can do — every glitch or downtime of your provider will result in your losses. That’s why it’s reasonable to work with multiple providers, and this is where you need to route your payments in the wiser way possible.

This guide will explain the concepts of payment routing and cascading, the reasons and best practices for routing, and how to take the pain out of it.


What is payment routing?

Payment routing is an essential payment processing feature for businesses working with multiple payment providers. It allows sending each transaction to the optimal payment gateway based on selected parameters, like card issuer (country, bank, INN/BIN), type, brand; auth mode (CVV/3DS); store; location; amount; currency, etc.

The main aim of routing is to send the transaction to the provider where it is most likely to be settled quickly and successfully.

With payment routing, a business can reach its processing goals:

  • transaction costs optimisation
  • acceptance rates increase
  • provider downtimes protection
  • payment load distribution.
Page 1

Unveil the benefits of payment routing

Please enter correct name
Please enter correct last name
Please enter correct email, e.g. [email protected]
Download the guide

Thank you! Your guide is on the way

Please check your email. Chances are the guide has already arrived, but it may take up to 10 minutes. If it didn't happen, check your spam folder or click the button below to try again.

Resend the guide

Guide benefits:

  • Well-structured and easy to navigate
  • Visualisations facilitate absorbtion
  • Digestible analogies for complex concepts
  • Written in fine and plain language
  • Concepts and best practices explained
  • Tells how to route transactions hassle-freely