Smart Routing
Every payment on its best rail.
Our intelligent routing technology automatically chooses the best payment route for every transaction, optimising speed, cost and reliability without any additional effort from you.
One payment, weighed across every available rail and routed the way most likely to arrive.
Three criteria, applied to every payment you make
This is the published framework the engine weighs your payments against: the same three tests on every transaction, not a judgement call per client.
You set the amount and the reference. The customer opens the link and settles by card, bank transfer or crypto. You receive settled value in your account, matched to the invoice it paid. The part that changes your week is the last one: the payment identifies itself, so nobody spends month-end working out which transfer was which.
The fastest arrival
Speed where it matters: the route that tends to settle soonest for your currencies and destination.
The highest chance of success
Favouring the rail most likely to land first time, to reduce failed, delayed or returned payments.
The right rail per corridor
SWIFT, SEPA, SEPA Instant, Faster Payments, CHAPS, BACS or a local rail, matched to where the money is going.
A routing policy
you can read
We don’t publish a rate card. Pricing depends on your sector, volumes and corridors, and we’d rather quote you accurately than advertise a number that doesn’t survive underwriting. What we publish instead is the thing that actually determines what you pay and how fast money moves: how we choose a rail.
The three criteria above are the whole policy. Every payment is weighed on speed, likelihood of success and corridor fit, and the engine picks the rail that scores best for that payment, at that moment. You can hold us to it, the same way you can check our licences on the FCA register.
How the engine works
Evaluation is automated and per-transaction: every payment is assessed in real time, not batched into a default route.
The engine scores each available rail for that payment against the three published criteria.
Rails in scope include SWIFT, SEPA, SEPA Instant, Faster Payments, CHAPS, BACS and local rails, depending on currency and destination.
The same discipline runs on both product lines: card transactions are routed toward the acquirer most likely to approve, payments toward the rail most likely to arrive.
One discipline, both product lines
Accepting payments
On the acquiring side, routing means sending each card transaction where it is most likely to be approved. That is how the network sustains a 97% average approval rate across all verticals and regions.
Moving money
On the payments side, routing means choosing the rail most likely to arrive: across 170+ countries, 40+ currencies and 50+ payment routes on the group payments network.
An introducer or broker can put you in front of one provider, but an introduction is where its role ends. Routing requires an engine sitting across multiple rails and institutions, evaluating every transaction. That is what the group operates.
See how we’d route your payments
Tell us your sectors, currencies and corridors, and we’ll show you which rails your payments would take, and why.