Orchestration

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

Payment orchestration centralizes and optimizes payment processing by managing multiple payment services, including gateways, acquirers, and Guide
Connect alternative payment methods to boost your checkout conversion. APMs , through a unified platform. With orchestration, businesses work with a single integration point that abstracts the complexity of each provider.

It is a powerful tool for businesses of all sizes, allowing them to scale and meet evolving global payment needs with these key benefits:

  • Smart routing: Automatically routes transactions to the most optimal provider based on payment parameters, increasing the chance of success.
    • Optimized payment flows: Selects the best route based on factors like geolocation, transaction amount, and real-time conditions, ensuring efficient processing.
    • Improved success rates: Minimizes false declines and automatically retries failed transactions through alternative acquirers for higher success.
  • Payment analytics: Provides Guide
    Optimize your product and payment management with Solidgate HUB.     HUB     real-time insights into payment data, helping businesses understand payment trends, optimize strategies, and make better decisions.
  • Revenue acceleration: Enhances payment success by ensuring compliance with SCA regulations, including support for frictionless authentication, SCA exemptions, VTS/MDES/SCOF Guide
    Visa and Mastercard tokenization to streamline payments and boost security.     tokenization     , and smart retries, improving security, reducing fraud, and optimizing payment flows.

Routing
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Smart payment routing is a dynamic, real-time functionality that directs payments to the most optimal payment processor, acquirer, or gateway based on various factors, such as issuer preferences, transaction amount, and geographical location.

For global businesses, especially in Guide
Explore Solidgate subscriptions for seamless recurring customer payments. subscription models, payment routing is crucial. It mitigates the risks of failed payments, fraud, and region-specific challenges.

For example, U.S. merchants may experience high decline rates when processing payments in Latin America or the EU due to stricter bank policies. Smart routing improves these approval rates by routing transactions to the most reliable processors, considering regional conditions.


Routing flow
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This process begins when you submit an order and provide key parameters. Solidgate uses these parameters to evaluate the best path through a set of predefined rules with key steps. Additionally, Solidgate enriches the request with card BIN data from its services, for example, by adding information about the issuer bank or the issuer’s country to improve decision-making during the routing process.

  1. Collect parameters: Solidgate collects key parameters from the payment request and enriches them with data retrieved from internal services.
  2. Search for a route: Based on the collected data, Solidgate searches through the available routes to find a matching one, checking BIN patterns, fraud status, 3D Secure (SCA) requirements, and other conditions.
  3. Determine a segment: Solidgate determines which traffic distribution percentage the payment falls into and selects the segment for the initial processing attempt.
  4. Cascade the payment: If the payment fails at a specific stage, intelligent routing automatically reroutes it to another processor with a higher approval probability, using retry logic to recover the failed transaction.

If no suitable processing route is found or if there are issues, such as inactive MIDs, the transaction is routed to a Default route

If payments fail, the system checks the reasons for Guide
Example of specific reasons for a declined transaction when there is still a chance of a successful payment. declines and processes the transaction accordingly. If the decline is not final, the payment can be retried through different processors or methods until it is successfully processed or permanently rejected.


Routing components
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The key components are:

  • Route: Represent top-level configuration with all payment parameters.
  • Split: Distribute payment traffic across multiple processors or MIDs using specified percentage ratios.
  • Cascade: Define steps to retry failed payments through alternative processors.
  • Segment: Group sets of specific configurations.

Thus, routing and segments focus on primary routing and processing, while splits and cascades manage the distribution and re-processing of transactions to increase their success rate.


Route
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A payment routing is an essential part of an efficient and scalable payment infrastructure, enhancing both the customer experience and revenue by ensuring higher success rates and reduced operational overhead with key parameters:

Route ID A unique identifier assigned to each route.
Payment method Specifies the type of payment being processed.
Traffic source The source of the payment traffic, helping track and categorize where the payment originated.
External MPI Enables 3DS authentication through an external Merchant Plug-In, allowing control of the auth flow and passing necessary Guide
Boost payment security with 3D Secure support. MPI data.
Force 3DS Specifies whether Guide
Boost payment security with 3D Secure support. 3DS authentication is required, enabling fraud prevention.
Google Pay A payment method allowing transactions through Google’s digital wallet.
PAN only A setting indicating whether only the Guide
Understand Google Pay’s protection for safer transactions. PAN is available for processing.
Website The merchant's website or platform through which the payment was initiated.
Card number details
  • Card brand: A list of accepted card brands for processing.
  • Card type: Specific type of card used.
  • Country: The country where the transaction is being processed.
  • Country BIN: List of countries associated with the BIN.
  • Bank: List of accepted banks for processing.
  • BIN pattern: Regular expression to match the BIN of the card.
Currency Defines the currency used for the transaction.
Amount (USD) The payment amount is converted to USD to evaluate the payment routing and transaction flow.

Segment
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A segment is the final processing point for a payment route. This configuration is made for a specific MID and determines how payments are processed. Each segment corresponds to a payment attempt in the route. Identifiers for the payment are:

Segment ID A unique identifier assigned to each segment.
Bank MID The merchant identifier (MID) used by the bank to process the payment.
Connector The connection point to the payment processor or gateway used to handle the transaction.
PSP The payment service provider responsible for processing the transaction.
Descriptor The transaction description shown on the customer’s statement.
Protocol The 3DS authentication protocol used for the transaction.
Processing method Specifies the type of payment being processed.

View routing
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To view the route tree

  1. Go to Payments > Routing.
  2. Find the needed channel and click on it.
  3. In the Channel routing details section, select Card/Google Pay/Apple Pay.

To view the traffic segments

  1. Go to Routing > Channel routing details.
  2. Find the needed configuration step and click on it.
  3. In the details section, view route configuration and traffic segments.
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