Smart Payment Routing System
Payneteasy provides a comprehensive toolset of traffic routing and balancing, which helps to increase acceptance rate, reduce processing costs and meet agreed limits with PSPs and other financial institutions.
Routing system
The routing system allows to combine different types of traffic and send it to different processors, based on multiple transaction criteria, e.g. country, card type, transaction amount, etc.
Intelligent balancing system
The balancing and cascading system accumulates processing statistics and helps to define which acquirer is most useful for each client and traffic type in terms of increased conversion rate and cost reduction.
Limits and filters
Use limits and filters in order not to exceed the permissible traffic volumes for business, merchant or even a customer.
Frequently Asked Questions
How does smart payment routing improve approval rates?
Smart routing analyzes each transaction and directs it to the acquirer most likely to approve it based on card type, issuer country, amount, and historical performance data. For white label gateway operators processing cross-border payments, this can increase approval rates by 5-15% compared to static routing.
What is transaction cascading?
Cascading automatically reroutes a declined transaction to an alternative acquirer. If the primary channel declines, the system tries the next best option in real time — without the customer noticing. This is a core feature of Payneteasy's payment orchestration platform.
Can I configure routing rules per merchant?
Yes. Each merchant project in the white label payment gateway has independent routing configuration. Set acquirer priorities, amount limits, geographic rules, and fallback chains per merchant — giving your clients optimized payment processing without manual intervention.