Routing
We have you covered
Process each transaction for better cost
Why pay more than you need to? With Gr4vy, you can automatically route transactions to the most cost-effective payment provider based on your business logic. Whether it’s card schemes, interchange fees, or PSP rates, our platform helps you minimize processing costs without compromising performance. Set rules based on geography, card type, or transaction value and let us find the most economical path for every payment, every time. See it in action >
Recover lost revenue
Card routing that puts you in charge
We also support co-badge card routing through our enhanced BIN intelligence service. When a co-badged card is detected, the platform can override the card brand to route the transaction through a local acquiring rail when available. This helps reduce processing costs and supports compliance with local routing regulations like those in the EU.
Unlock smarter routing
"*" indicates required fields
Explore other features
FAQ
Intelligent payment routing is the process of directing each transaction through the optimal path based on rules such as card type, geography, or transaction value. Instead of sending every payment to a single provider, the system evaluates available PSPs, acquirers, and card networks to find the route with the best chance of approval at the lowest cost. This improves authorization rates, reduces fees, and ensures customers experience fewer failed payments at checkout.
When a business connects to multiple payment service providers (PSPs), transactions can be dynamically routed to the one most likely to approve the payment or offer lower interchange fees. If one provider experiences downtime or returns a decline, the transaction can be automatically retried with another PSP in real-time. This not only recovers sales that might otherwise be lost but also lowers operational costs by choosing the least expensive processing path.
Least cost routing ensures each transaction is processed in a way that minimizes interchange and processing fees. For example, debit transactions can be routed through the cheapest available network, while credit card transactions may be directed to an acquirer offering lower costs for that card type. Over time, these savings add up, especially for merchants with high transaction volumes. It’s an essential strategy for businesses looking to maximize revenue efficiency without impacting customer experience.
Declines from issuers or PSPs don’t always mean a payment is truly invalid. Many transactions can be recovered by applying retry logic or rerouting them to another provider. Intelligent payment routing uses rules and workflows to automatically retry failed transactions in real time, reducing involuntary churn and recapturing revenue that might otherwise be lost. This approach gives businesses a stronger handle on failed payments while improving overall customer satisfaction.