Card scheme
Smart routing
Smart Routing determines the most optimal acquirer based on card brand, card type, currency, location, and other factors
Incoming payment
Card issuer
Country
Result of risk engine
Create your individual rules
Acquirer A
Acquirer B
Payment service
provider A
Payment service
provider B
our benefits
Key features of payment routing technology
Secure payments, reduce processing fees, and increase authorization when connecting to multiple payment service providers, through payment routing.
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Cascaded
transactions
Load
balancing
Geographical
optimization
Risk based
routing
Smart routing
How does
smart routing work?
Smart routing is a flexible payment solution considering all aspects of banking products to optimise incoming and outgoing payment transactions. It identifies the most optimal route for each transaction based on banks, available channels, GEOs, card type, currency, and other aspects, configuring rules in real-time based on the customer’s needs. Smart Routing ensures global coverage with minimal costs. Smart Routing is useful for merchants, as it lowers transaction decline rates.
Optimise costs, expand beyond borders, and maximise transaction approval rates with GumBallpay Smart routing feature.
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