No borders

To increase efficiency, ECOMMPAY manages your transaction flow using our intelligent routing technology. Smart Payment Routing relies on artificial intelligence to maximise coverage, carrying out transactions both regionally and globally.

Payment Routing is a flexible payment solution. Taking into consideration all key features and functionalities of banking products, Payment Routing enables high payment acceptance rates by easily connecting to the client’s infrastructure to optimise all incoming and outgoing transactions.

Smart Payment Routing calculates the best possible route across banks and MIDs, configuring rules in real time to track results and adapt possible scenarios depending on client needs.

Maximising payment acceptance rates

Payment Routing dynamically calculates the optimal route for each transaction, based on channel accessibility, geography, card type, currency, device, and other parameters.

Expanding beyond borders

When you are looking to enter new markets, Payment Routing facilitates the connection to new acquirers and alternative payment systems, enabling global coverage with minimal costs.


By opening MIDs in the required currencies, the Payment Routing algorithms avoid double conversion.

Routing Management

The rules for our Payment Routing system are configured for each client on an individual basis. Our experts review your requirements, choosing a route dependent on filter settings, cascading capabilities, and the payment percentage split.

  • Filters analyse the parameters present in a client request: risk assessment, geolocation, card type, issuers.
  • Cascading reroutes your payments and payouts in cases of declined transactions, which increases the payment success rates.
  • Payment percentage split determines the optimal ratio by which payments are distributed between client accounts to achieve maximum payment acceptance.

Route transactions
for maximum payment acceptance