Smart Routing: the lowest-cost provider, for every payment.
Smart Routing is payFURL's least-cost routing. Each payment goes to the cheapest eligible provider, based on the rates you set for each provider. Change a rate or add a provider in the dashboard and routing follows, with no change to your checkout code. When a decline is temporary, the payment is retried through your nominated backup provider.
How does payFURL choose a provider for each payment?
It compares the rates you have set for each eligible provider and sends the payment to the cheapest one. The decision is made in milliseconds, for every transaction.
Where do the rates come from?
From you. You enter the rates for each provider in the dashboard, and payFURL shows your costs based on those rates, so you can compare providers side by side. You keep your own account with each provider and control your own fees.
What happens if a payment is declined?
When a decline is temporary, payFURL automatically retries the payment through your nominated backup provider, in the same checkout session, with no extra step for your customer.
Do I need to change my checkout to add or remove a provider?
No. Your team integrates once, through a single API. After that, you add or remove providers in the dashboard without touching your checkout code.
Do I have to leave my current payment providers?
No. payFURL connects to your existing providers. You keep your current commercial relationships and negotiated rates, and can add further providers at any time.
See what your providers
really cost you.
Talk to a payments specialist about your provider rates.