Glossary
Routing
Routing is the set of rules that decides which provider processes a payment. The rules read the payment's fields, such as the amount, the customer's and the card's country, the scheme, the BIN range, the method and the time, and send it down a branch that ends in an ordered list of terminals; weights split traffic between equal terminals, and limits keep each within its contract. Routing is where approval rates and fees are managed without touching code.
What a rule can look at
Amount bands, the customer’s country, the IP country and the card’s issuing country, the scheme and BIN ranges, the payment method, the merchant, the time window. Each condition splits the flow; each branch ends in a route group with terminals ordered by priority and weighted when several share the traffic.
Routing by cost and by approval
The same payment can cost a different fee at each acquirer and have a different chance of approval. Rules by scheme, country and amount send domestic cards to the domestic acquirer, foreign cards to the cross-border one, high amounts to bank transfers, small ones to wallets; the reports per terminal then show whether the rule earned its place.
On the platform
In Tranzify routing is drawn in a visual flow builder: flow, condition and terminal blocks, stored as versions that an administrator activates, with the previous version kept for rollback. Every decision is in the payment’s journal and shown in its trace.
Updated: 2026-11-08