Payment routing
OpenPay offers a variety of flexible payment routing options you can leverage to boost acceptance rates, reduce fees, and optimize your global payment stack.
Default only
Always routes payments to a single, designated primary processor. Simple to set up, but doesn’t adapt to failures or performance changes.
Default with recency fallback
Attempts the default processor first, but falls back to the most recently added processor if the initial attempt fails—helpful in dynamic or inconsistent payment environments.
Random uniform
Distributes payment attempts evenly across all available processors. Useful for load balancing or testing processor performance without bias.
Random weighted
Routes payments based on pre-configured weights per processor (e.g., 65% to Processor A, 30% to Processor B, 5% to Processor C). This allows controlled testing or prioritization of preferred processors.
Custom
Harnesses AI and rich historical data—like geography, transaction type, time of day, and card BIN—to dynamically route each transaction to the processor most likely to succeed, optimizing for both acceptance and cost-efficiency. To explore a custom routing strategy tailored to your business, reach out to us at support@getopenpay.com.