AI payment routing that raises your authorization rate
- 10%+Average lift in authorization rates
- <50msFailover when a processor declines or goes down
- 22%Average reduction in processing fees
- 2.5BAnnual orchestrated volume
Revenue lift calculator
How much revenue are declines costing you?
Pick your industry and enter your monthly revenue to see what smarter routing and recovery could add back.
Pre-filled with your industry average. Change it if you know yours.
Lost to declined payments today: $55,556 a month
PaymentKit could win back
$20,000a month
That's $240,000 a year
Authorization rate: 90% to 93.6%
Assumes 4% more approved revenue, typical for B2B SaaS. Estimate only; your results depend on your processors, card mix, and regions.
The problem
One processor sets a ceiling on your approvals
No processor is best at everything. One is strong on US credit and weak on European debit; another is the reverse. Send every transaction down one pipe and you accept that processor’s worst segments along with its best.
Each decline is a payment a customer already tried to make. At 100,000 transactions a month, the gap between an 88% and a 93% authorization rate is five thousand payments, every month. Once your fraud rules and retries are tuned, the only way past that ceiling is a second processor and something intelligent routing between them.
How AI routing works
Every payment takes the route most likely to approve
Scores each processor for each payment.
Card brand, BIN, card type, currency, issuer country, ticket size and the previous decline reason all shape where a payment goes. The routing defaults learn from the approvals and declines in your own traffic, and you can set rules on top.
Cascades soft declines in the same session.
A “do not honor” on one processor is often an approval on another. Retriable declines go to the next processor in the route while the customer is still at checkout: card entered once, 3DS result reused, no second form.
Fails over when a processor goes down.
If a processor is down, returns errors or doesn’t support the currency, PaymentKit skips it in under 50ms and continues the route. No code change, no incident call, no checkout outage.
Stops where retrying would hurt.
Hard declines (stolen card, closed account, do-not-retry codes) end the route immediately. Retrying those gets merchant accounts flagged, not paid.
Keeps card credentials current.
Network tokens replace stored card numbers with credentials the card networks keep up to date, so a reissued or expired card doesn’t turn a renewal into a decline.
Routing rules
Smart defaults, and your rules when you want them
Routes are ordered lists of your connected processors. Let PaymentKit pick the order from your approval data, or build routes yourself by:
- Country and region
- Currency
- Card brand and BIN range
- Ticket size
- Decline reason from the previous attempt
- Price tier
Routes are configured via API today. A visual route builder is available to enterprise clients.
What you see
Authorization rate by processor, side by side
Every processor’s authorization rate in one table, split by card type and region, plus the full attempt path on each payment: which processors were tried, in what order, what each returned, and where it succeeded.
That’s the data the routing acts on, and the evidence you bring to your next rate negotiation.
Proof
We run 20+ subscription brands on our own routing, across multiple processors each.
- ~11%authorization-rate lift across the 20+ subscription brands in our own portfolio, from routing across multiple processors.
- 22%lift for one brand after moving from a single processor to a cascading route.
Who this is for
Merchants leaving approvals on the table
Subscription businesses with recurring renewals, where every point of authorization rate repeats every cycle. International merchants whose US and EU customers approve better on different acquirers. High-risk merchants whose acquirers decline aggressively. Anyone who has tuned retries and fraud rules and watched the number refuse to move.
Only have one processor? Add a second and routing turns on with a route change. We can help you get the second account.
Talk to our team
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