Dynamic Routing

Juspay's algorithm constantly monitor and learn high payment failures across payment ecosystem along with merchant-context and make fully automatic routing decisions

Granular: Router takes into account high payment failures of all possible combinations of payment gateways and payment methods
Platform level: Looks at global information on the Juspay platform across merchants
Real-time: Identifies potential downtimes in near real-time, many times within a minute
Accurate: Looks at a series of payment failures consecutively across board yield very high accuracy
Contextual: When downtimes are not global and very much specific to the merchant level, Router uses merchant-level patterns and makes routing decisions
Configurable: You configure thresholds of failures at your merchant account level, payment method level, and enable/disable payment methods to be a part of the routing algorithm.Works in conjunction with, health-based routing and static routing rules

Score

The score is expected to be in the range of 0 to 1. Algorithm maintains the score per gateway and payment method combination per 30 minute time-window. It reduces score when transaction starts and increase scores when transaction succeeds.

Whenever score falls below configured threshold, gateway decider service would look for another gateways supporting that payment method with better score.

Testing the EMI flow

Step 5: Testing & Validation