PayPatch · Payment infrastructure

Smart Routing

Route payments across your connected providers.

Configure how transactions are distributed across banks and merchant IDs. Define routing priorities and fallback behaviour around provider availability and your operational requirements.

Discuss your requirements Explore integrations

Providers: Multiple integrations
Priorities: Configurable
Fallback: Rule-based
Visibility: Provider-level status

Capabilities

Built around your payment operations

Multi-MID routing
Provider fallback rules
Controlled retry workflows
Performance-based routing rules
Cost-based routing rules
Provider health tracking
Custom routing priorities
Payin and payout routing

Business fit

Designed for

High-volume merchants
Payment aggregators
Platforms with multiple MIDs
Peak-sale events

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Payment workflow

How Smart Routing works

Evaluate

Check the transaction against configured routing rules.

Route

Send the request to the selected provider.

Handle exceptions

Apply fallback or retry rules after checking payment status.

Complete your payment stack

All products

Payins

Payment collections under your own brand.

Payouts

Manage business payouts in one connected workflow.

Payment Orchestration

Connect your payment providers in one coordinated workflow.

Let's build your payment infrastructure.

Discuss your payment flows, banking requirements and deployment preferences. Start with a scope that fits your business.

Talk to our team