Payment Routing
Route every card payment to the best path. Ottu Router evaluates each payment in real time (BIN, country, scheme, amount, recent health) and sends it through the Payment Connection most likely to succeed—at the best cost—with a safe fallback.
Payment Connection: your acquiring/gateway connection used to process a payment.
Increased Transaction Success Rates
Routes to the best connection, reducing declines.
Cost Efficiency
Steers to lower-fee connections to cut processing costs.
Enhanced Customer Satisfaction
Faster, more successful checkouts improve the experience.
Scalability and Flexibility
Adapts to volume spikes and new markets without manual tuning.
Risk Mitigation
Avoids single-point dependence by switching based on real-time health.
Market Expansion
Prefer local connections to improve cross-border approvals.
Ottu Router runs each payment through four clear stages
Routing Sequence: Payment → Blockers → Routing Rules → Routing Strategies → (Chosen Payment Connection | Fallback) → Processor.
Blockers: Guardrails that can stop a payment outright
Blocks or allows transactions by card BIN range (BIN).
Controls transactions by issuing country (country).
Filters by card network (e.g., Visa, Mastercard) (scheme guardrails).
Routing Rules: Decide which payment connections to rout the payment through.
Routes by BIN match (BIN-Based Routing).
Routes by issuing country (Country-Based Routing).
Routes by card type (Visa, Mastercard) (Supported Schemes).
Backup route if no match (Fallback Routing).
Routing Strategies: Pick the best Payment Connection from that eligible set.
Load balance (round-robin).
Value bands (route by amount).
Health-aware (skip connections with elevated errors).
Fallback: If no payment connection qualifies, route to the default payment connection.
The Router always logs its decision: which blockers applied, which connections were eligible, which strategy was used, and why the final connection was chosen.
The below diagram shows how Ottu Router handles a transaction from the moment it starts, through rule checks and decision logic, to the final payment sent to the bank.
These rules filter transactions before routing begins.
Allows or blocks transactions based on the card's BIN range.
These rules assign valid transactions to the correct payment connection.
Routes a transaction to a specific payment connection based on BIN match.
Once Ottu router finds valid payment connections, selection strategies decide how to pick the best one.
Strategy Types:
Multi-Selection: Considers several payment connections and selects based on rule logic.
Single-Selection: Narrows immediately to one best payment connection.
Distributes transactions evenly across payment connections.
Balances load by cycling through gateways.
If a transaction exceeds the maximum amount set for the payment connection, it will be rerouted according to the configured routing rules or fallback option.
The Round Robin method distributes transactions evenly across multiple payment connections, ensuring balanced load by sequentially cycling through available gateways.
The Fallback option serves as a safety mechanism to ensure transactions still get processed by sending them to a default payment connection if no other payment connections are available.
BIN-Based Routing directs a transaction to a specific payment connection based on the card’s BIN (Bank Identification Number). If a match is found, the transaction is routed accordingly.
Country-Based Routing uses the issuing country of the card to determine the payment connection. Transactions are routed to gateways configured for that specific country.
Supported Scheme Routing filters transactions by card type (e.g., Visa, Mastercard). Each scheme can be mapped to one or more payment connections.
If no routing rule applies, the system triggers the Fallback Routing option to ensure the transaction is processed by a default connection.
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