Smart Routing for
Optimised Payments

Smart Routing dynamically directs each transaction to the most appropriate acquiring bank or payment processor in real time. By analyzing factors such as card type, transaction amount, geographical location, and current processor performance, it ensures payments take the most efficient, cost-effective, and successful path.

It minimizes declines by routing transactions away from processors experiencing outages or high latency, and sending them to processors that have the highest historical success rates for specific card issuers, regions, or transaction types.

Yes. Through automated failover (also known as retry logic), if a transaction is declined by the primary acquirer due to temporary issues (like processor downtime or connectivity errors), Smart Routing instantly routes the transaction to an alternative acquirer in the background without requiring the customer to re-enter their details.

By matching transactions with the acquirers most likely to approve them (for example, routing cross-border transactions to local acquiring banks where approval rates are naturally higher), Smart Routing significantly reduces false declines and boosts overall conversion rates.

Yes. Smart Routing acts as an orchestration layer above your payment gateways, allowing you to connect and manage traffic across multiple gateway accounts and acquirers from a single, unified interface.

Absolutely. By setting rules to route transactions to processors with lower interchange or processing fees (such as local acquirers for domestic cards), you can substantially reduce transaction fees and optimize your overall payment economics.

Decisions are based on multiple real-time variables, including card brand (Visa, Mastercard, etc.), transaction value, currency, customer location, risk profile, current processor availability, processing fees, and historical approval rates.

While particularly beneficial for high-volume merchants and global enterprises managing multiple acquirers, any business looking to expand internationally, reduce transaction costs, or eliminate single-point-of-failure risks in their payment flow can benefit from Smart Routing.

It creates a seamless checkout experience. By preventing false declines and silently handling processor failures via auto-retries, customers enjoy fast, uninterrupted checkouts without seeing frustration-inducing decline messages.

Enabling Smart Routing with Luup is straightforward. Our single API integration connects you to our routing engine, enabling you to set up, customize, and adjust routing rules directly from your dashboard without needing complex development work.