Smart routing

A decline is not the end of the transaction.

We send each payment to whichever of your acquirers is most likely to approve it. If it comes back as a soft decline, we try the next one straight away, while the customer is still on the same page.

Start an application Read the docs

What you get

How the rules work

Rules you can read

Route by BIN, issuer country, amount, currency and card type. Rules are shown in plain language in the dashboard.

Cascading on soft declines

Response codes that mean "try again elsewhere" trigger a second and third attempt without the customer noticing.

Caps and health checks

Monthly caps on each merchant account are tracked. Acquirers with rising decline rates are weighted down automatically.

How it works

The order of events on a cascade

The decision takes a few milliseconds and is based on your rules plus what has worked before on similar cards.

STEP 01
Score the acquirers
For each payment we rank your merchant accounts by expected approval, cost and remaining monthly cap.
STEP 02
Send to the first choice
The payment goes to the top-ranked acquirer. A hard decline stops here and is reported as such.
STEP 03
Cascade if needed
On a soft decline the next acquirer is tried straight away, reusing the same 3DS result.

Specifications

Technical details

If something you need is missing here, ask your analyst or check the docs.

Routing inputs: BIN, issuer country, amount, currency, card type, customer history
Cascade triggers: Configurable list of soft-decline response codes
Max attempts: 3 per authorisation (configurable)
Cap tracking: Per merchant account, monthly, with alerts at 80%
Reporting: Approval by acquirer, BIN and country in the dashboard and by API
Setup: Default rules on day one; custom rules with your analyst

Get started

Ready to apply? Send the short form and an analyst will get back to you within a working day.

Start an application