Reglas de enrutamiento
Defina y gestione un conjunto completo de reglas para controlar cómo se enrutan las transacciones a través de su red de adquirencia.
Las reglas de enrutamiento de Cardflo proporcionan un control granular sobre los flujos de pago, permitiendo a los comerciantes optimizar en función de los costos, las tasas de autorización y las necesidades comerciales específicas a través de un sistema flexible y configurable,
asegurando que cada transacción encuentre su ruta óptima.
- Categoría
- Enrutamiento
- Capacidades
- 10
- Disponible en
- Todos los planes
La visión general
Payment routing rules function as a logic layer between the merchant checkout and the downstream acquiring network. Rather than sending all traffic through a single gateway, this system evaluates incoming transaction metadata, such as BIN, currency, and transaction value, to determine the most appropriate processor.
This process typically occurs in real time after the initial authorisation request is initiated but before it reaches the card schemes. By structuring a hierarchy of rules, merchants can dictate traffic flow based on cost efficiency, regional licensing requirements, or processor stability.
The objective is to mitigate the risk of single-point failure while balancing load across multiple merchant identification numbers. This granular level of control is fundamental for complex B2B environments where volume is distributed across several geographic jurisdictions or business units.
Properly configured routing logic assists in maintaining high authorisation rates and manages the technical complexities of merchant-initiated transactions and recurring billing cycles.
Cómo funciona
Metadata analysis and identification
The system begins by extracting specific data points from the initial API call. This includes the cardholder's Bank Identification Number to identify the issuer country, the specific Merchant Category Code, and the transaction amount.
These variables form the foundation for determining which pre-defined routing path the payment must follow.
Rule engine evaluation
Once the data is parsed, the transaction is cross-referenced against a prioritised list of rules. The engine evaluates Boolean logic and conditional statements to filter suitable acquirers.
If an transaction meets the criteria for a specific high-priority rule, such as local domestic routing, it is directed to the designated target.
Dynamic acquirer selection
If multiple acquirers are eligible, the system selects the primary endpoint based on pre-set weights or performance metrics.
This stage considers factors like recent success rates or weighted load balancing percentages to ensure that no single processor is overwhelmed while maintaining optimal costs according to the scheme fee structure.
Authorisation and failover execution
The transaction is sent to the selected acquirer for authorisation. If a soft decline or technical error occurs, the routing engine can trigger an immediate fallback to a secondary processor.
This redundancy ensures that temporary outages at a single gateway do not result in a total loss of sales.
Por qué importa
Authorisation rate optimisation
Different acquirers maintain varying relationships and technical integrations with specific issuing banks. By routing transactions to processors with higher historical performance for certain card types or regions, merchants can reduce the incidence of false declines.
This is particularly relevant for cross-border transactions where local acquirers typically achieve higher acceptance rates than foreign processors due to improved trust signals within the banking network.
Process redundancy and stability
Dependency on a single PSP creates significant operational risk. Routing rules provide a mechanism for automated failover during gateway downtime or periods of high latency.
By distributing volume across a multi-processor architecture, businesses can ensure continuity. If one acquirer experiences a technical failure, the system automatically redirects traffic to a functional alternative, preventing revenue loss and maintaining the customer experience without manual intervention.
Acquiring cost management
Interchange and scheme fees vary significantly based on the location of the acquirer and the issuer. Routing rules allow businesses to direct traffic to the most cost-effective provider for each specific transaction.
For example, routing European cards through a European entity helps avoid international card scheme surcharges, directly impacting the bottom line by reducing the total cost of payment processing.
Casos de uso
Cross-border e-commerce
Merchants selling globally can route transactions to local acquirers in each region. This practice reduces the likelihood of flags for suspicious activity and avoids the higher fees associated with international card processing and currency conversion.
Subscription and recurring billing
For Merchant-Initiated Transactions, routing can be adjusted to use processors with the most robust account updater services. This ensures that recurring payments are sent through channels most likely to handle stored credentials successfully.
High-value B2B transactions
Large ticket items can be routed to specific acquirers with higher risk appetites or better support for manual retrieval requests. This helps manage the impact of potential chargebacks and ensures smoother settlement for significant amounts.
Load balancing for holiday peaks
During periods of high volume, such as seasonal sales, traffic can be distributed across multiple processors to prevent any single gateway from exceeding its rate limits or experiencing performance degradation.
En cifras
This range reflects typical improvements seen by merchants when moving from a single-acquirer setup to a multi-routed environment that prioritises local processing.
Typical savings achieved by minimising inter-regional scheme fees and optimising for lower-cost acquirers via intelligent routing logic.
Industry-standard availability for businesses utilising multi-gateway failover strategies to prevent downtime during individual processor outages.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Reglas de enrutamiento
- Cree reglas personalizadas basadas en múltiples parámetros de transacción
- Priorice a los adquirentes según el rendimiento, el costo o la adecuación estratégica
- Implemente reglas en cascada para la lógica de respaldo y reintento
- Gestione escenarios de enrutamiento complejos con una interfaz fácil de usar
- Realice pruebas A/B de diferentes estrategias de enrutamiento para una mejora continua
- Garantice el cumplimiento de las regulaciones de pago regionales a través de la lógica de enrutamiento
- Utilise Secure Customer Authentication status as a variable for selecting the most compatible processing path.
- Configure fallback sequences to maintain uptime when a primary gateway experiences a service disruption.
- Separate one-off purchases from recurring transactions to optimise for different processor fee structures.
- Apply specific currency rules to avoid unnecessary FX markups during the settlement and clearing process.
A short scoping call, then a written plan for your MIDs.
Preguntas sobre Reglas de enrutamiento
¿Qué tipos de parámetros puedo usar para definir reglas de enrutamiento?
Cardflo admite una amplia gama de parámetros para la definición de reglas, incluyendo, entre otros, tipo de tarjeta, BIN de la tarjeta, monto de la transacción, moneda, país de origen, segmento de cliente y Código de Categoría de Comerciante.
Esto permite una lógica de enrutamiento altamente específica y efectiva.
¿Cómo mejoran las reglas de enrutamiento las tasas de éxito de las transacciones?
Al dirigir las transacciones al adquirente más adecuado según varios parámetros, las reglas de enrutamiento ayudan a evitar posibles puntos de falla.
Por ejemplo, enrutar un tipo de tarjeta específico a un adquirente conocido por sus altas tasas de aprobación con esa tarjeta puede aumentar significativamente el éxito.
¿Puedo modificar las reglas de enrutamiento en tiempo real?
Sí, la plataforma de Cardflo permite el ajuste dinámico de las reglas de enrutamiento.
Los comerciantes pueden actualizar, activar o desactivar reglas en tiempo real, proporcionando un control inmediato sobre los flujos de procesamiento de pagos en respuesta a las condiciones cambiantes del mercado o las prioridades comerciales.
Is it possible to route transactions based on 3-D Secure results?
Routing rules can incorporate the results of 3DS authentication. For instance, if a transaction successfully clears SCA, it might be routed to an acquirer that offers lower rates for authenticated traffic.
Conversely, if a transaction is exempt from SCA, it could be directed to a processor with a specific risk profile that specialises in handling exemptions. This flexibility ensures that the security status of a payment is leveraged to find the most efficient processing path.
How do routing rules interact with network tokens and tokenisation?
When using network tokens, the routing engine must ensure that the receiving acquirer is capable of processing that specific token type. Not all processors support network tokens in the same way.
The rules can be configured to check the token status and route to a compatible gateway that can decrypt or pass the token to the scheme. This prevents compatibility issues that would otherwise lead to a hard decline if sent to an unsupported processor.
Can I use routing to manage rolling reserves across different acquirers?
Merchants can use routing to manage their financial exposure and liquidity. By distributing volume across multiple acquirers, a merchant can ensure that their total processed volume is not tied to a single rolling reserve.
If one acquirer increases its reserve requirement, routing rules can be adjusted to shift volume to another provider with more favourable settlement terms, thereby managing the business's overall cash flow more effectively.
Características relacionadas.
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