Routing
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Routing
Optimize transaction routing, success rates, and risk metrics while reducing costs

Routing configurations enable the management of payment flows, ensure compliance, and optimize processing performance, all while maintaining flexibility and control over their payment infrastructure.

With a no-code, customizable platform, you can scale quickly to new geographies, improve payment conversion rates, and diversify risk.


Routing flow

Routing configuration is set up for a channel with payment method level, allowing operators to manage and optimize payment traffic across multiple payment methods, such as Cards and Digital wallets, Apple Pay and Google Pay.

Each channel corresponds to a product, website, or store. To process payments at the same time, one account can have several channels.


Routing components

Routing configurations consist of a rule preset, rules with conditions, splits, and segments, each essential for directing and optimizing payment traffic.

  • Preset sets initial conditions, like blocking payments or enforcing Guide
    3D Secure (3DS) enhances online payment security by adding an extra authentication step for credit and debit card transactions.
    3DS.
  • Rules define how payments are routed based on parameters and logic operators.
  • Splits distribute payment traffic across connector accounts.
  • Segments configure the processing sequence for payments, including fallbacks.

Preset

Rule presets are evaluated before routing rules are applied, ensuring that specific criteria are met before proceeding with the transaction.

Presets are evaluated from top to bottom, with the first matching condition taking precedence over subsequent ones. Each configuration type has its own rule presets. Key condition:

  • Block payments
    Blocks certain payments.
    If triggered, the transaction is declined with a Payment processing unavailable message and the decline code 0.04.
  • Force 3DS
    Determines whether payment processing rules fall under Force3DS. This preset applies to all payments that antifraud system has identified as Force 3DS, or provided force3ds true through the Solidgate API Reference.
    • SCA regulation
      A European rule to reduce fraud in online and contactless payments.
    • Low-value SCA exemption
      Allows low-value transactions to skip SCA under PSD2.
    • TRA SCA exemption transaction handling
      Permits low-risk transactions to bypass SCA, reducing friction.
    • Non-3DS for MIT/MOTO
      3DS can often be bypassed or handled differently than standard online payments.
  • Other PAN only
    Specifies that only payments involving other PANs are allowed.
  • All other payments
    Applies to all payments not otherwise categorized by the specific routing presets.

For Digital wallets payment method Force 3DS with the Other PAN only are included to the Google Pay PAN only preset, ensuring that transactions are routed and processed only for Google Pay PANs with 3DS enforcement.

For every rule preset, except Block payments, there is a Default branch that must be filled out. Rules cannot be filled in the Default branch, as that is its default purpose. Everything else is at your discretion.


Rules

Routing rules are the core logic that defines how payments are routed through different payment processors (PSPs). These rules consist of parameters and values that can be combined using logical operators.

Rules condition:

  • Can be as simple or complex as necessary, with condition nesting supported up to 3 levels.
  • Work top-down by priority, meaning that if a payment matches the first rule, it follows that path, and further rules are not checked.
    Similarly, conditions within a rule operate in the same way.

Splits

Splits define how payment traffic is distributed across different Connector accounts.

  • Each split is assigned a percentage of traffic, and each group block of rules requires a separate split.
  • Sum of all segments in a group must equal 100%.
  • Maximum of 20 groups can be defined for a single rule.

Segments

Configuring a segment involves setting up the sequence of steps for a split group.

The list of available options depends on the Connector itself, making it flexible and adaptable to the specific configuration of the Connector account. Additionally, display whether the Connector account supports the acceptance of External MPI Data.

  • A maximum of 5 steps can be defined in a group.
    They can be the same, but the features and descriptors must differ.
  • Fallbacks are not available on the Force 3DS branch.

For each segment, it’s essential to ensure that the features/descriptors vary, even if the same Connector account is used multiple times.

Steps allow fallback routing, directing traffic to MIDs when the initial route fails. Each step level is evaluated in sequence, providing up to 5 levels of fallback routing. Use steps for retry strategies after declines or failures to ensure continuous payment processing.


Create routing

Routing configurations manage payment traffic based on merchant routing rules. A version refers to the state of a routing configuration, with Draft indicating it is under development or testing, while Live means it has been published and is actively in use.

Managing versions is crucial for ensuring smooth updates, preventing disruptions, and maintaining control over the routing setup as configurations evolve through different stages. Key routing status for:

  • Configuration
    • Inactive a configuration that is not currently in use.
    • Active a configuration that has been published and is active.
  • Version
    • Draft a configuration under development or testing.
    • Live a configuration that has been published and is active.

When creating routing configurations, operators can view, edit, and manage them for each channel and payment method.

Configurations are versioned, and each version can either be Draft or Live . When initially created, the configuration is set to Inactive .

Once tested and ready, the configuration change status can be changed to Active , and it can be published to production, with the configuration version changed to Live .

To create the route configuration

  1. Go to Orchestration > Routing configuration.
  2. Click on Create routing configuration.
  3. Choose
    • Payment method
    • Channel
  4. Fill
    • Title
    • Description
  5. Click on Create.

Preset

To set the preset

  1. Go to Orchestration > Routing configuration.
  2. Find the needed ID routing configuration and click on it.
  3. Click on Force 3DS preset and enable the needed preset conditions.
  4. Click on ×.
No configuration exists for other presets.

Rules

To set the rules

  1. Go to Orchestration > Routing configuration.
  2. Find the needed ID routing configuration and click on it.
  3. Find the needed preset and click on +.
  4. Click on New condition.
  5. Add Rule, Metadata rule or Rule group.
  6. Click on Save.
To set the rule

  1. Click on Add rule and set:
    • Parameter
    • Logic operators
    • Value
  2. Click on Save.
To set the metadata rule

  1. Click on Add metadata rule and set:
    • Data type
    • Parameter name
    • Logic operators
    • Value
  2. Click on Save.
To set the rule group

  1. Click on Add rule group:
    • Choose Rule or Metadata rule, or Rule group and set it.
    • Set logic operators.
  2. Click on Save.

Splits

To set the splits

  1. Go to Orchestration > Routing configuration.
  2. Find the needed ID routing configuration and click on it.
  3. Find the needed rule and click on + Add splits.
  4. Set % percentage for each group.

Segments

To configure the segments

  1. Go to Orchestration > Routing configuration.
  2. Find the needed ID routing configuration and click on it.
  3. Find the needed split group and click on Configure segment.
  4. Select Connector, Account, and Descriptor.
  5. Set additional settings.
  6. Click on Save.

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