Payments

    The best route for every payment, in real time

    Intelligent routing engine that selects the best route for each transaction in real time. Maximizes approval, minimizes costs.

    Products & Services

    Smart Routing

    Each transaction is evaluated in real time against all available routes. The engine selects the route with the highest probability of approval at the lowest cost.

    MONTOTRANSACCIÓNPAÍSRUTA
    $68.20txn-8fa…c2d1🇧🇷 BRAPIX Direct
    Selected
    PIX DirectSCORE:98
    APROB:99.1%COST:$0.12LAT:200MS
    Bank TransferSCORE:78
    APROB:96.3%COST:$0.12LAT:200MS
    BoletoSCORE:74
    APROB:88.0%COST:$0.08LAT:300MS
    +4.7%Approval rate improvement
    -23%Cost reduction
    <150msDecision time
    99.99%Engine uptime

    Use cases

    Intelligent routing for every scenario

    Maximize approval

    The engine analyzes historical rates by BIN and acquirer to route each transaction to the channel with the highest probability of success.

    Reduce costs

    When multiple routes have similar approval, it automatically prioritizes the one with the lowest cost per transaction.

    Intelligent failover

    If an acquirer shows degradation or outages, traffic is redistributed in real time without affecting the user experience.

    Regional compliance

    Routing rules that ensure local transactions are processed with acquirers in the same country to comply with regulations.

    Features

    Routing engine with AI

    AI-powered scoring

    Each transaction is evaluated in real time with an ML model that weighs approval rate, cost, and latency to choose the best route.

    Decision in <150ms

    The engine evaluates all available routes and makes the optimal decision before the user perceives any delay.

    Automatic failover

    If the primary route fails, the system automatically re-routes to the next best acquirer without manual intervention.

    Continuous optimization

    The model feeds back from each transaction to improve approval predictions and reduce costs.

    Rules engine

    Configure custom rules by merchant, BIN, amount, or country to force or exclude specific routes.

    Global multi-acquirer

    Connect multiple acquirers across different countries and the engine selects the optimal route based on transaction geography.

    Configuration

    Rules Engine: full control without depending on development

    The Rules Engine is managed from a visual dashboard and also via REST API. The operator can create, modify, and disable routing rules in real time — without deploys or engineering team intervention.

    • Visual dashboard. Drag-and-drop interface to define rules by BIN, country, amount, merchant, or card type. Changes applied in seconds.
    • Full REST API. CRUD endpoints to manage rules programmatically and integrate with CI/CD pipelines or internal systems.
    • Versioning and rollback. Each change is automatically versioned. If a rule produces unexpected results, revert to the previous version with one click.
    • Simulation before activation. Sandbox mode that evaluates the impact of a new rule on historical transactions before applying it in production.
    Rules EngineLIVE
    1Domestic BIN → Local acquirer
    Match: 92.4%ACTIVE
    2Amount >$5K → Premium route
    Match: 78.1%ACTIVE
    3Country = CO → Exclude Proc-B
    Match: 100%ACTIVE
    4Failed 3DS retry → Fallback
    Match: —SANDBOX
    Edge scenarios

    When no route exceeds the minimum threshold

    The engine never fails silently. If no available route reaches the configured minimum score, the system executes a predefined escalation protocol — designed to protect the user experience and ensure operational visibility.

    Controlled decline

    The transaction is rejected with an explicit response code (soft-decline) that allows the merchant to decide whether to retry or escalate.

    Real-time alerts

    The operations team receives an immediate alert via webhook, Slack, or email with the full transaction context.

    Configurable fallback

    Optionally, the operator can define a last-resort route that activates only when the engine finds no optimal option.

    Degradation dashboard

    Dedicated panel showing in real time how many transactions are falling below the threshold, segmented by acquirer, BIN, and country.

    Every transaction,
    the best route

    Integrate Smart Routing and let AI maximize your approval rate while reducing costs.