Intelligent payments routing
In the world of modern finance, not all transactions are created equal. Companies handling payments and customer financing have to choose between multiple providers - banks, fintechs, BNPLs, factoring or credit institutions. The problem? Each has different acceptance criteria and financing terms.
Our no-code/low-code platform uses AI and machine learning for intelligent payment routing to automatically select the most optimal provider for each transaction - maximizing the chances of financing and optimizing costs.
Payments that always go through - without unnecessary rejections.
With our technology, you can:
- Automatically select a financing provider - AI analyzes the transaction and assigns it to the provider with the highest probability of acceptance.
- Minimize the risk of rejections - analysis of each provider's scoring, payment history, risk level and underwriting rules.
- Optimize commission costs - dynamic routing directs transactions to where financing is cheapest.
How it works
- Collect payer and transaction data - amount, credit score, payment history, payment method.
- Analyze provider acceptance models - ML learns where a particular type of transaction is most likely to succeed.
- Choose the optimal financing path - the system dynamically assigns the transaction to BNPL, factoring, credit card or other source.
- Automatically route payment - the transaction goes through the provider with the highest efficiency and lowest cost.
- Monitor efficiency and optimize - AI constantly adjusts routing based on performance and market changes.
Applications for B2C and B2B
- E-commerce and BNPL - dynamically assign a customer to a BNPL provider with the highest probability of acceptance.
- Banks and fintechs - optimization of credit routing, factoring and leasing.
- Marketplaces and SaaS platforms - increase payment efficiency and minimize abandoned shopping carts.
- B2B sales - intelligently route invoices to factoring or lenders with the best terms.
Technology that increases conversions and reduces costs
- No-code/low-code - instant deployment and personalization of routing rules without programming.
- AI and machine learning - analyze thousands of transactions and adjust routing in real time.
- API integrations - connect to banks, fintechs, BNPLs, factoring and scoring systems.
- Automatic decisions - intelligent routing directs transactions where the chance of acceptance is highest.
Maximize funding efficiency and eliminate rejected transactions. Let AI choose the best payment path for your customers and optimize costs.
Read more about Integrations
