Predictive Payment Routing

The best payment route for every transaction

Increase authorization rates, reduce payment costs, and enhance multiprocessor efficiency

Make Smarter Routing Decisions Effortlessly

Powered by Forter’s Identity Graph, Predictive Payment Routing combines customer insights with an issuer authorization model to create a tailored payment flow that maximizes transaction success.

Read Feature Snapshot

Increase authorization rates

Boost authorization rates by directing each payment down the route with the highest success probability.

Reduce Payment Costs

Optimize the use of lower-cost card network rails or tokens and minimize retry attempts to reduce cost per payment without impacting authorization rates.

Support Multiprocessor Strategy

Agnostic solutions that work across multiple processors, reducing duplicative costs and increasing efficiency.

Minimize Manual Costs

Simplify complex routing rule sets that are difficult to manage and quickly become outdated in the ever-evolving payment landscape.

AI-Driven Recommendations Designed With Your Business Strategy in Mind

Processor Routing

• Which payment service provider (PSP) should process this transaction?
• Recommends the best processor for each transaction based on likelihood of success, cost, and business strategies.

Card Network Routing

• Which network rail should I send this transaction to?
• Examines the cost and issuer preferences to automatically select the optimal card network rail — such as debit, credit, or domestic rails — for each transaction.

Network Token Optimization

• Should I use a network token or primary account number (PAN) with this transaction?
• Assesses the cost, country, issuer preference, and more to recommend when to use Network Tokens vs. Primary Account Numbers (PAN)

3DS Optimization

• When should I apply 3DS or exempt a transaction?
• Evaluates issuer and consumer preferences — plus transaction risk and regulatory factors — to recommend when to use a 3DS challenge, frictionless 3DS, data-only 3DS, or exempt a transaction from 3DS.