Payments glossary

Definitions for the terms you'll hear when boarding a merchant account, routing payments, or fighting a chargeback. Written by the Cardflo team.

P R S

All Acquiring Authentication Cards Disputes Regulation Risk Routing Settlement Subscriptions

P

Payment orchestrationRouting

A platform layer that lets a merchant connect to multiple acquirers, APMs, and risk tools through one integration and route transactions intelligently.

R

Retry logicRouting

Rules that re-attempt a declined transaction across time windows, acquirers, or authentication levels to recover revenue.

S

Smart routingRouting

Algorithmic selection of an acquirer or MID per transaction to maximise approval rate, minimise cost, or both.

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