Intelligent Multi-Gateway Routing
AI-powered gateway routing achieving 98%+ authorization rates vs 85-90% with static routing, optimizing by BIN, amount, geography, and real-time performance.
Business Outcome
reduction in time for routing decisions
Complexity:
MediumTime to Value:
3-6 monthsWhy This Matters
What It Is
AI-powered gateway routing achieving 98%+ authorization rates vs 85-90% with static routing, optimizing by BIN, amount, geography, and real-time performance.
Current State vs Future State Comparison
Current State
(Traditional)- All transactions route through single primary gateway.
- Failover to backup gateway only on complete outage.
- No optimization for authorization rates by card type or geography.
- Manual configuration changes require days to implement.
Characteristics
- • Spreedly
- • BlueSnap
- • Adyen
- • Stripe
- • SAP S/4HANA
- • Oracle NetSuite
- • Microsoft Dynamics 365
- • Kount
- • Tableau
Pain Points
- ⚠ Complex Integration: Significant API development and maintenance required to connect multiple gateways.
- ⚠ Rule Management Overhead: Time-consuming and error-prone manual updates to routing rules.
- ⚠ Limited Real-Time Insights: Legacy systems often lack real-time analytics, delaying optimization.
- ⚠ Failover Gaps: Some systems lack robust retry logic, leading to lost sales during gateway outages.
- ⚠ Compliance Fragmentation: Managing various regulations across gateways is complex and challenging.
- ⚠ Scalability Issues: Manual processes do not scale effectively with increasing transaction volumes.
- ⚠ Cost Visibility: Difficulty in tracking fees across multiple gateways without centralized reporting.
Future State
(Agentic)- Gateway Selection Agent analyzes transaction (card BIN, amount, currency, geography).
- Performance Monitoring Agent tracks real-time authorization rates across gateways.
- Intelligent Routing Agent selects optimal gateway based on highest predicted approval.
- Failover Management Agent instantly reroutes on gateway degradation.
- Learning Agent continuously optimizes routing logic based on outcomes.
Characteristics
- • Real-time transaction data
- • Historical patterns and analytics
- • Customer profiles and behavior
- • External data signals
- • ML model predictions
Benefits
- ✓ 40-95% improvement in key metrics
- ✓ 80-95% automation of manual tasks
- ✓ Real-time vs batch processing
- ✓ Continuous learning and optimization
- ✓ Reduced labor costs by 60-80%
Is This Right for You?
50% match
This score is based on general applicability (industry fit, implementation complexity, and ROI potential). Use the Preferences button above to set your industry, role, and company profile for personalized matching.
Why this score:
- • Applicable across multiple industries
- • Moderate expected business value
- • Time to value: 3-6 months
- • (Score based on general applicability - set preferences for personalized matching)
You might benefit from Intelligent Multi-Gateway Routing if:
- You're experiencing: Complex Integration: Significant API development and maintenance required to connect multiple gateways.
- You're experiencing: Rule Management Overhead: Time-consuming and error-prone manual updates to routing rules.
- You're experiencing: Limited Real-Time Insights: Legacy systems often lack real-time analytics, delaying optimization.
This may not be right for you if:
- Requires human oversight for critical decision points - not fully autonomous
Parent Capability
Multi-User Buying & Approvals
Accelerates approvals dramatically with complete visibility, zero lost requests, and high auto-approval rates through intelligent automation.
What to Do Next
Add to Roadmap
Save this function for implementation planning
Related Functions
Metadata
- Function ID
- function-intelligent-gateway-routing