Channel routing details
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Channel routing details
Analyze routing performance and optimize payment flows across channels
Please note that this is a legacy version, and you should refer to the up-to-date Guide
Optimize transaction routing, success rates, and risk metrics while reducing costs.
routing.

Payment routing is a dynamic, real-time feature that directs payments to the most optimal payment processor, acquirer, or gateway. This process is 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. Routing improves these approval rates by routing transactions to the most reliable processors, considering regional conditions.


Channel routing flow

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


Channel routing components

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

A payment routing is an essential part of an efficient and scalable payment infrastructure. It enhances 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
Strengthen payment safety with 3D Secure support for transactions.
MPI
data.
Force 3DS Specifies whether Guide
Strengthen payment safety with 3D Secure support for transactions.
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

A segment is the final processing point for a payment route. 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.

Stop error codes prevent transactions from proceeding to the next step. These errors indicate fundamental issues with the card, account, or transaction that cannot be resolved by routing to an alternative processor.

Attempting retries would result in the same failure regardless of the payment gateway used, while unnecessarily increasing processing costs and delaying the final response to the customer.

  • Guide
    The order has exceeded its validity period and can no longer be processed.
    0.02 Order expired
  • Guide
    The Card Verification Value (CVV2) provided does not match the card's security code.
    2.06 Invalid CVV2 code
  • Guide
    The card number entered is not valid or does not exist.
    2.08 Invalid card number
  • Guide
    The expiration date provided for the card is incorrect or the card has expired.
    2.09 Invalid expiration date
  • Guide
    The cardholder does not have sufficient funds available to complete the transaction.
    3.02 Insufficient funds
  • Guide
    The account associated with the card has been closed and cannot be used for transactions.
    3.12 Closed user account
  • Guide
    The payment card being used is listed on a security blocked list, often due to prior suspicious or fraudulent activities.
    4.01 Card is on black list
  • Guide
    The card in use has been reported as stolen, all transactions are restricted.
    4.02 Stolen card
  • Guide
    The card has been reported as lost and is blocked from processing any transactions.
    4.04 Lost card
  • Guide
    The transaction was blocked by a trusted antifraud system due to suspicious activity or high-risk indicators.
    4.07 Trusted antifraud system

View channel routing

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/Network token/Click to pay.

To view the traffic segments

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

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