SolutionsPayment Routing
Route every transaction across rails, with failover built in
Route each transaction across banks, e-wallets and card rails with built-in failover, so a rail issue is less likely to reach your customer and your tech team integrates once.
Every rail you add is another dependency your checkout now has
Enterprises end up connected to several banks, e-wallets and card rails for good reasons: coverage, cost, redundancy. The cost is complexity. Each rail is its own integration, its own outages, its own reporting. When one degrades, customers see declines and your team scrambles to switch traffic by hand.
Outages reach the customer
When a rail degrades, declines rise at checkout until someone notices and reroutes manually.
One integration per rail
Every bank, e-wallet and card connection is a separate project to build, test and maintain, and every change touches all of them.
Transactions scattered across rails
Finance reconciles the same day's sales across several portals and formats before it can close.
Routing, failover and control in one layer
Built for enterprises that accept on several rails and want to keep them without carrying the complexity.
Multi-rail routing
Each transaction is routed across banks, e-wallets and card rails according to rules you set: method, amount and availability.
Failover logic
If a rail declines or degrades, the transaction moves to the next available rail without the customer noticing.
Availability controls
Traffic reroutes automatically to maintain uptime and success rates across the rails you accept.
Single API integration
One integration covers every rail behind it. Adding a rail does not change the checkout built on Online Payments.
Transaction management
See every transaction and the route it took in one place, with retries and holds handled from the Merchant Portal.
One record across rails
Whichever rail processed it, the transaction lands in one ledger through Reconciliation.
What happens on every transaction
Routing decisions are made per transaction, in line with the rules you set.
Transaction received
A payment arrives from checkout, a link, a store or a recurring charge.
Route evaluated
SwiftPay checks method, amount, rail availability and your rules to pick the route.
Processed or failed over
The transaction goes to the chosen rail; on decline or outage it moves to the next.
Recorded once
The outcome and the route are written to one transaction record for finance and ops.