100% digitalisation

Enjoy flexibility and smooth cash flows.
Integrate TODA software equips for a complete set of smart routing and cascading tools. Ensure the maximum performance of all your operations.

Request a demo API documentation

Benefits of Routing & Cascading

Check some of the results after smart routing and cascading integration.

Maximised conversion

+40% conversion Up to 40% increase in conversion rates after the routing technology implementation.

Costs optimization

+30% saved in fees Find the lowest-cost way to route transactions and save up to 30% in fees.

Risk protection

-20% losses Reduce fraud losses by 20% by fraud prevention and risk mitigation tools.

Vendor switch

+15% saved transactions Minimize your transactions losses by at least 15%. Set up automated retries and failover functions that bring transactions to their completion.

Smart payment routing

You can easily implement smart payment routing tool and alter your flow strategies. TODA Pay’s smart routing engine is able to maximise your payment performance. All the incoming and outgoing transactions may be optimised in a real-time mode which will help you to get the highest success rates.

Rule engine

Integrate and automate smart routing rules and strategies. Thus, all your transactions will be processed in the most optimal way.

Multicurrency
Auto-learning balancing
Any payment method
Custom business rules
Unlimited number of schemes
Graphical scheme editor

Dynamic routing rules

You can instantly analyze and route all the transactions through TODA. Our algorithms will manage everything to the optimal provider which is based on various flexible payment routing parameters.

Real-time allocation

TODA’s well-crafted optimisation presets may be used to distribute your cash flows as you desire. You can modify and combine them to achieve the greatest results in your business.

Fees
Conversions
Balances
Turnover
Ratios
Combined strategies

Extra features for SPECIAL business needs

Facilitate your business model and solve routine tasks easily with our intelligent processing features.

Triggers

When certain conditions are met, the processing rules can be changed automatically. For example, an automatic 3DS disable after 3 successful payments.

Splitting

Large transactions can be fractionised and completed through multiple providers and options.

P2P routing

You can automatically route your P2P transactions to the necessary transit account.

Recurring tokens routing

With the initially generated tokens, the recurring transactions will be routed to the appropriate provider.

Dynamic currency conversion

Your customers can pay for your goods and services in their local currency. These amounts will be automatically converted into the currency you’ve selected.

3D Secure 1 & 2

You can enable or disable 3DS1 or 3DS2, depending on the operation. Or, use it selectively for the transactions, having relevant filtered parameters.

Cascading & Auto-retries

Sit back and watch your approval rates grow after setting up cascading and automatic retries.

Payment
TODApay
Provider

Instant auto-retry

If a transaction has failed, it can be automatically retried with another provider. This will help you to save your sales and increase conversion.

Retry management

Get your business independent from any technical issues on PSP’s side. Accounts in the routing scheme can have their priority set up. Utilise cascading for successful transactions fulfilment.

PSP health monitoring

You can monitor all available providers and connected accounts. This will help you to automatically reroute transactions until their successful completion.

Recurring tokens cascading

PSPs' tokens can be smoothly sorted to ensure successful charging of a recurring payment.

KEY-READy fraud prevention TOOLS

We provide you with an efficient way to deal with any fraud transactions and manage the risks in your business in a smart way. This brings you additional security layer and help you to track some specific fraud issues.

Blocking rule engine
Smart blacklisting
Smart 3DS routing
Third-party risk scoring

There are two main ways to route payments.

The first is known as static payment routing. It requires manually creating complex routing schemes. Such schemes will then be used steadily to pass each transaction to the appropriate payment service provider, regardless of any changes.

The second is called dynamic payment routing. It is much more flexible because the rules used to distribute payments are dynamic. This means that they can switch in real time to adapt to changes.

Moreover, some payment service providers ensure intelligent payment routing, or smart routing. In fact, it's a solution that uses company transaction data to learn how to predict the best route for each individual transaction in real time.

A transaction routing solution would be especially useful in the following cases:
- Your processing infrastructure includes more than one PSP or acquirer
- You provide services to customers from different countries and need to support both local and international payment methods
- The number of transactions processed by your company runs into the tens of thousands
- You are running a high-risk business
- Your company suffers from low conversion rates and technical failures on the part of the PSP.

Another important payment infrastructure feature is cascading. In a complex payment environment with multiple providers, this technical solution instantly and automatically redirects the online transaction to another PSP in case the first one fails or rejects the operation. For example, imagine that the PSP to which a transaction is routed according to your routing scheme rejects the payment for whatever reason, be it a risk assessment, an authorization error, a technical failure, or something else. If the cascading feature is enabled, the failed transaction will be redirected to another PSP to try again. This allows merchants to increase payment throughput and improve the customer experience because everything happens seamlessly and quickly for the customer.

These two online payment processing technologies are usually linked together.

Payment routing allows online companies which possess multiple merchant accounts with different PSPs to get three main benefits:

- Optimized payment performance.
Intelligent payment routing provides merchants working with multiple payment providers with an excellent opportunity to improve payment throughput, conversion rates and overall performance.

- Significantly lower transaction costs.
With multiple PSPs, you can send each payment to the provider that charges the lowest fee. This is especially important for merchants operating in different countries and using different currencies, since local acquirers charge high fees for processing transactions using foreign cards. What's more, the bank that issued the card will process the transaction faster and cheaper than another bank. Smart routing will allow you to benefit from these facts and save money.

- Protection against downtime and failed transactions.
Although smart routing is not a panacea for all payment problems, it helps reduce the risk of losses caused by unforeseen malfunctions on the part of a particular payment service provider. In addition, routing allows you to repeat a rejected transaction through another PSP and save your sales.