Product facts

Dispatching transactions between different acquirers is a smart way to improve your bottom line.Route each transaction to the most cost-efficient acquirer – for example, let a domestic acquirer process domestic transactions.
Intelligent transaction routing enables you to protect your valuable merchant IDs (MIDs) by distributing transactions depending on their risk assessment.
By allowing you to combine smart transaction routing with an optimised risk set-up for different MIDs, we provide you with an extremely powerful lever to fight fraud effectively,while simultaneously optimising costs.


  • Improve your profit margins through smart transaction routing
  • Reduce costs through low-cost routing
  • Manage fraud, distribute and limit risk exposure
  • Meet acquirer requirements and protect valuable MIDs
  • Implement asecond-source-strategy for acquirers (e.g. as a backup)
  • Optimise the conversion rate by routing to the most likely converting scheme (e.g. the domestic one)
  • Easily shift transactions between different MIDs


You can configure if, where and how transactionsare routed to different MIDs based on:

  • Credit cardbrand
  • Direct debitcountry
  • Currency
  • Credit card/debit card BIN country
  • Credit card/debit card BIN or BIN range
  • Clearing institute velocity
  • Merchant account velocity1
  • Weighting (e.g. 60%–40% split)
  • First-timevs.returning/known shopper
  • Recurring or one-time payment
  • Ticket size (payment amount)

Technical features

Number or total volume of transactions per time unit.

Please refer to the following feature matrix to find out which routing options might best help you to maximise your profits.


Type of routing


Usage examples

CC/DC brand
Routing based on the credit/debit card brand(e.g. VISA, MasterCard)
Easily configure and re-configure which brands get processed by which acquirer
DD country
Routing for direct debit payments on bank accounts in different countries
Use local banks
Route one or multiple currencies to one MID
Easily configure and re-configure which currencies get processed by which acquirer
BIN country
Use card BIN to identify which country the issuing bank is located in and route different countries to different MIDs
Boost conversion rates while simultaneously saving shopper exchange costs by routing domestic transactions to domestic acquirers; send transactions from high-fraud countries to a special MID or even a different acquirer, protecting your main MID
BIN/BIN range
Routing directly based on the card BINs
Fine-tune your configuration based on individual BINs or whole BIN ranges
CI velocity
Re-route transactions when the total transaction count or volume for a specific clearing institute (acquirer) has reached a configured limit within a given timeframe
Meet acquirer requirements
MID velocity
Limit transaction count or volume on a specific MID (merchant ID)within a given timeframe
Limit or distribute risk, stay within payment and chargeback parameters for the acquirer, and reduce MID termination risk
Define a percentage split between two or more different MIDs (e.g. a 50%–50% distribution
Implement a second-source strategy regarding acquirers, easily shifting the weighting between them as needed at the moment
Route first-time shoppers to a different MID and/or different risk profile than (less risky) returning shoppers
Risk- and cost-optimised set-up
Route subscription-based and one-time transactions differently
Have optimised risk set-ups for recurring vs. one-time transactions
Ticket size
Route transactions based on their payment amount
Optimise costs – for example, execute expensive external AVS or credit assessment checks only for transactions above a certain value
Of course, different routing optionscan be combined to meet your specific business goals.
For example, you may want to maintain a 50%–50% weighting between two MIDs but,at the same time,make sure that domestic transactions only go to the domestic acquirer based on the BIN country.
A credit card/debit card BIN consists of the first six digits of the card number and uniquely identifies the issuing bank, the country the card was issued in and the brand of the card.