Routing Strategies

Choose the right routing strategy for your payment traffic

Choose the routing strategy based on the problem you are solving. Static strategies give you deterministic control. Dynamic strategies use observed performance or cost data and should be rolled out after you have enough traffic and monitoring.

Strategy	Use it when	Requires
Rule-Based Routing	A business condition must force a processor, split, or fallback list.	Processor setup and rule conditions.
Volume-Based Routing	You want a fixed traffic allocation or a controlled ramp to a new processor.	Processor setup and percentage allocation.
Auth-Rate Routing	Multiple processors can handle the same traffic and you want routing to adapt to recent authorization performance.	Outcome feedback and enough volume for scoring.
Multi-Objective Routing	You want to reduce processing cost without ignoring authorization performance.	Auth-Rate Routing and cost coverage.
Least Cost Routing	You process supported debit card traffic where local debit networks can reduce cost.	Debit support and enabled local networks.
Default Fallback Routing	You need the backup processor order for unmatched or ineligible routing results.	At least one configured processor.

Recommended Starting Point

1. Configure Default Fallback Routing.

2. Use Rule-Based Routing for known business constraints.

3. Use Volume-Based Routing to ramp new processors.

4. Use Auth-Rate Routing when multiple processors can handle the same traffic.

5. Add Multi-Objective Routing once processor cost data is available.

6. Use Least Cost Routing for supported debit network optimization.

Screenshot placeholder: Routing strategy selection page with available strategy cards.