AI-powered routing engine
Design intelligent payment workflows to improve acceptance, mitigate risk and reduce cost; optimising performance for every transaction.
Dynamic real-time routing utilising AI
BIN & MID optimisation
Cascading and failover routing strategies
Global payment connectivity with over 500 integrations
Paysecure’s smart routing engine ensures every payment is sent through the most effective path. As every transaction is unique, you can build agile payment workflows. By combining advanced routing logic with AI-driven insights, real-time data, and orchestration flexibility, you can increase authorisations, lower costs, and improve your customer’s payment experience, all while maintaining full control.
Smart Routing goes beyond simple PSP selection. Every transaction is evaluated in real time against your parameters, including cost, approval likelihood, risk, and business priorities. This ensures that each payment takes the optimal path, helping you recover revenue, reduce declines, and improve conversion rates by up to 20%.
Partnerships at Paysecure are shaped around shared goals, whether that is technical integration, commercial collaboration, or co-serving merchants in complex markets. We work with acquirers, PSPs, payment methods, and platforms to enhance your payments offering, driving higher acceptance, resilience, and performance through our white label payment orchestration solutions
Together, we create stronger propositions for merchants and long-term commercial value for everyone in the ecosystem.”
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Cascading and failover mechanisms make your payment flows resilient. If a primary processor fails, transactions are automatically rerouted to secondary providers, reducing downtime and recovering up to 10% of payments that might otherwise be lost.
Take full control over your payment strategies with customisable, multi-level routing logic, which provides the flexibility and agility to tailor every payment path to suit your needs and the needs of your customers. Leverage predefined routing templates to get started quickly and enable AI insights, to fuel your routing logic in real-time for best performance.
Decide which PSPs to prioritise under specific conditions such as volume, country, APM and more.
Route based on transaction amounts, fees, or thresholds to optimise costs and acceptance rates.
Route transactions to the most appropriate bank (MID) or BIN to maximise approvals, reduce costs, and improve UX.
Optimise high-volume flows for speed or cost.
Apply routing rules based on user type, region, or historical behaviour to ensure you continue to build lifetime value with seamless payment journeys.
Build your own rulesets combining multiple conditions for precise control.
Paysecure ensures your customers see the payment methods that matter most in their market. From local wallets and cards to international options, our smart routing engine, combined with data intelligence, selects the right method for each country, currency, or personal preference, improving conversion and customer satisfaction.
Smart Routing doesn’t just optimise for approvals and cost, our engine integrates seamlessly with 3DS workflows and Paysecure’s User Trust Score, creating a secure, frictionless payment journey. High-risk or high-value transactions are routed through the most secure authentication paths, while trusted customers enjoy fast, one-click experiences.
By combining fraud insights, risk scoring, and routing intelligence, you can reduce chargebacks, prevent fraud, and maintain high conversion rates across every transaction.
Paysecure’s Smart Routing engine is fuelled by real-time insights and intelligent forecasting. Using data such as customer segmentation, geography, BIN, transaction history, and fraud scores, our AI-driven routing engine continuously evaluates live success metrics across processors and acquirers.
By comparing performance in real time and predicting outcomes, it ensures each transaction follows the optimal path, maximising approvals, reducing costs, and minimising risk, all without manual intervention.
Optimise every transaction path to maximise approvals.
Automatically select lower-fee routes and optimise processing expenses.
Combine routing with fraud insights and 3DS workflows to protect your business.
Granular multi-level rules let you manage routes according to your priorities.
Cascading and failover options ensure uninterrupted payment flows.
Simplify your payments, unlock global reach, and optimise performance with Paysecure’s smart routing engine.
Paysecure’s latest update for Intelligent Partial Payments (IPP), provides a new capability designed to improve the success rates of your transactions.
Paysecure’s latest update for threshold settings, provides merchants granular control over when and how specific validation or decisioning rules are triggered.
Paysecure’s latest update for iGaming merchants, intelligently recommends deposit values based on real user behaviour, customer segments, and live payment performance.
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