Real-Time Routing Engine Design

We design payment routing engines that evaluate multiple providers in real time using AI-based decisioning. Our architecture supports cascading, parallel, and smart retry strategies with configurable business logic and failover control.

Multi-Gateway Integration

Integrate seamlessly with major PSPs like Stripe, Adyen, Razorpay, PayU, Braintree, and regional acquirers. We build middleware APIs and event-driven orchestration layers to connect and switch across processors dynamically.

AI-Based Success Rate Optimization

Use ML models trained on transaction data (card BINs, geo, time, issuer, amount) to predict the best gateway for each payment. Tools like TensorFlow, XGBoost, and Amazon SageMaker improve approval rates by learning from failure patterns.

Cost-Aware Routing Logic

Route payments based on MDR (Merchant Discount Rate), FX charges, or preferred settlement currencies. Our systems calculate effective transaction cost in real time and optimize routes accordingly—maximizing margin per transaction.

Failover Mechanisms

Automatically retry failed transactions on alternative routes using context-aware strategies. Reduce drop-offs with failover rules based on decline codes, issuer responses, and timeout patterns.

Geo-Routing and Compliance Filters

Enable geo-specific routing for cross-border payments. Apply compliance filters for region-specific mandates (e.g., India’s RBI tokenization, Europe’s PSD2/SCA) before routing decisions are finalized.

Observability, Risk Scoring, and Auditing

Monitor transaction flows using tools like Grafana, Prometheus, and custom dashboards. Add fraud risk scoring (using tools like Arkose Labs, Sift) and maintain detailed audit trails for every routing decision.