Every transaction takes the best available path.
Approval rates differ between acquirers by card type, issuing bank, country and time of day. Smart routing uses those differences: each transaction is directed to the acquirer most likely to approve it, and re-routed if the first attempt fails for a recoverable reason.
Approval-rate optimisation
Routing decisions informed by observed acquirer performance for similar transactions.
Cost-aware routing
Prefer local acquiring and lower-cost paths where approval rates are comparable.
Cascading on soft declines
Issuer-side soft declines are retried through a second acquirer where scheme rules permit.
Transparent logic
You can see why a transaction went where it did. No black box.
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