# 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](https://l.forter.com/hubfs/Predictive%20Payment%20Routing-%20Deep%20Dive.pdf)

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Simplify complex routing rule sets that are difficult to manage and quickly become outdated in the ever-evolving payment landscape.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