03 · Accept
Every payment finds its route.
Smart routing, automatic retries and failover, built into the rails. When one path declines or stalls, the processor chooses another and tries again, without you writing a line of logic.
Network tokens, intelligent retries and acquirer failover work together on every authorisation, lifting approvals at the issuing bank where it counts.
What it does
Smart routing
Each authorisation is sent down the path most likely to clear, based on issuer, region, method and recent decline patterns.
Automatic retries
Soft declines are retried on a schedule the processor tunes per issuer, recovering payments that a single attempt would have lost.
Acquirer failover
If an acquirer is degraded or unavailable, traffic reroutes to a healthy one mid-flow without a failed checkout.
Network tokens
Card credentials are replaced with network tokens that stay current through reissues and lift approval rates at the bank.
Retry guardrails
Per-issuer rules cap retry frequency and respect hard declines, so recovery never crosses into card-testing territory.
Built into the rails
Routing, retries and failover run inside the same processing layer as your acquiring, with no separate orchestration to wire up.
How it works
- 01
Send the payment
Submit a charge through the same gateway call you already use; the processor decides the routing for you.
- 02
It finds the path
The processor picks an acquirer and method, applies network tokens, and retries soft declines automatically when they happen.
- 03
Tune the policy
Set retry limits and routing preferences per program from the dashboard, and watch approval rates move in analytics.
One flag turns on smart routing and automatic retries for the charge.
POST /v1/payments
{
"amount": 4900,
"currency": "EUR",
"routing": "smart",
"retries": "auto"
}By the numbers
Works with
- Payment GatewayOne integration that accepts cards, wallets and local payment methods, with the request, the redirect and the webhook all shaped the same way no matter how your customer chooses to pay.↗
- Card AcquiringDirect acquiring for Visa, Mastercard and more, with no middlemen sitting between you and the card networks.↗
- Anti-Fraud SystemAdaptive machine learning scores every transaction in milliseconds, weighing hundreds of signals before the authorisation ever reaches the issuer.↗
Ready to clear more?
Start in test mode today, or talk to an engineer who knows your traffic.
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