Routing Strategies
Choose the strategy that fits your business. Change it anytime from your dashboard.
Single Provider
All transactions route to one primary processor. Simple and straightforward. Switch providers at any time without changing your integration—FloPay handles the routing.
Percentage Split
Distribute transactions across multiple providers by percentage. For example, send 60% to NMI and 40% to Stripe. Compare performance, reduce concentration risk, and negotiate better rates.
How Smart Routing Works
FloPay evaluates each transaction and selects the optimal provider automatically.
Automatic Rules
- Wallet payments (Apple Pay, Google Pay) route to their originating provider
- Stored credentials route to the gateway that tokenized the card
- ACH payments route only to ACH-capable providers
- 3D Secure transactions route to 3DS-enabled providers
- Refunds and voids route to the original processing provider
You Control
- Which providers are active or paused
- Percentage distribution between providers
- Routing strategy (single vs percentage)
- Provider credentials and configuration
- Real-time monitoring of provider performance
Why Payment Routing Matters
Relying on a single processor puts your revenue at risk. Smart routing gives you control.
Maximize Approvals
Different processors have different approval rates for different card types and regions. Routing lets you put each transaction on the best path.
Reduce Risk
If one provider goes down or freezes your account, your payments don't stop. Traffic shifts to your other active providers automatically.
Negotiate Better Rates
When you're not locked into one provider, you have leverage. Compare real performance data across providers and negotiate from a position of strength.
Supported Payment Gateways
Route to any of these providers—or use several at once.
Full commerce enablement with card, ACH, and wallet support.
Financial infrastructure for the internet.
Accept payments anytime, anywhere. A Visa solution.
Your partner for digital payment processing.
Simplify payment processing, empower your business.
Complete Merchant Solutions payment processing.
Ready to take control of your payment routing?
One integration. Multiple processors. Your rules.
Start FreeFrequently Asked Questions
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Can I switch providers without changing my integration?
Yes. FloPay abstracts the provider layer completely. Add, remove, or swap providers from your dashboard. Your API integration stays the same regardless of which processors you use.
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What happens to recurring payments if I change providers?
Stored credentials and recurring payments are tied to the original tokenizing provider. FloPay automatically routes these to the correct provider, even if you add new providers or change your default routing.
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How does percentage-based routing work?
You assign a percentage to each active provider (e.g., 60% NMI, 40% Stripe). FloPay distributes new transactions proportionally. You can adjust the split at any time from your settings.
Contact
Questions about payment routing? We'd love to hear from you.