Route every transaction to the acquirer most likely to approve it.
Our orchestration engine scores each payment in real time and routes it across your acquiring network, cascading declines to a backup automatically. You get higher acceptance and lower cost, with resilience no single-bank processor can offer.
Intelligent routing, end to end.
Every lever you need to maximise acceptance and resilience across acquirers.
Smart routing
Route by BIN, geography, currency, cost and live risk score to the optimal acquirer per transaction.
Decline cascading
Automatically retry soft declines on a backup acquirer, recovering revenue that would otherwise be lost.
Real-time risk scoring
Score transactions in milliseconds and adapt routing as acceptance patterns shift.
3-D Secure 2 orchestration
Apply SCA and exemptions intelligently to balance acceptance against fraud and compliance.
Acquirer-agnostic tokens
Network tokens stay portable across acquirers, so switching or adding routes never breaks billing.
Routing analytics
See acceptance, cost and decline reasons by acquirer, then tune rules with confidence.
Orchestration and settlement, reconciled in one view.
Routing across many acquirers shouldn't mean reconciling a stack of statements. ePayClub consolidates settlement, reserves, FX and fees into a single financial dashboard.
- Consolidated multi-acquirer settlement
- Automated reconciliation
- Transparent FX & fees
