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Intelligent payment routing with automatic failover to maximize approval rates.

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How Routing Works

Atlas intelligently routes payments to the best PSP based on your configuration. When a payment fails, Atlas automatically retries with alternative PSPs.

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Features

FeatureDescription
Smart SelectionRoutes based on card type, currency, and historical performance
Auto FailoverAutomatically retries soft declines with backup PSPs
Cascade RulesConfigure retry behavior based on failure codes

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Routing Profiles

Create routing profiles to customize PSP selection for different scenarios: 
# Use a specific routing profile
curl -X POST https://api.atlas.co/functions/v1/confirm-payment/sess_xxx \
  -H "Authorization: Bearer cs_client_secret_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_method_type": "card",
    "token_id": "tok_abc123",
    "routing_profile_id": "rp_high_value"
  }'

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Force Specific PSP

Bypass routing and use a specific PSP: 
curl -X POST https://api.atlas.co/functions/v1/confirm-payment/sess_xxx \
  -H "Authorization: Bearer cs_client_secret_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_method_type": "card",
    "token_id": "tok_abc123",
    "psp": "stripe"
  }'

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Failover Behavior

When a payment is declined, Atlas analyzes the failure code to determine if a retry is appropriate.

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Retryable (Soft Decline)

These failures trigger automatic retry with backup PSPs:
  • Insufficient funds (temporary)
  • PSP timeout or network error
  • Issuer unavailable
  • Generic decline (no specific reason)

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Non-Retryable (Hard Decline)

These failures do NOT trigger retry:
  • Invalid card number
  • Expired card
  • Lost or stolen card
  • Fraud block by issuer
Note: Atlas attempts up to 3 PSPs per transaction by default. The final result reflects the last attempt’s status.

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Supported PSPs

Atlas integrates with leading payment processors:
PSPCardApple PayGoogle PayACH
Stripe✓✓✓✓
Adyen✓✓✓-
Checkout.com✓✓✓-
Braintree✓✓✓-
Authorize.net✓--✓
Chase✓✓✓-
Nuvei✓✓✓-
dLocal✓---
Airwallex✓✓✓-
Windcave✓✓✓-
PayPal---✓
Contact support to enable additional PSPs for your account.

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Routing Rules

Configure rules in the dashboard based on:
  • Card brand - Visa, Mastercard, Amex, etc.
  • Card type - Credit, debit, prepaid
  • BIN range - Specific issuing banks
  • Currency - Route EUR to European PSPs
  • Amount - High-value transactions to specific PSPs
  • Geography - Customer or merchant country
  • Time - Peak hours routing

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Cascade Configuration

Define retry behavior: 
{
  "name": "Default Cascade",
  "rules": [
    {
      "primary_psp": "stripe",
      "fallback_psps": ["adyen", "checkout"],
      "retry_on": ["insufficient_funds", "timeout", "generic_decline"],
      "max_attempts": 3
    }
  ]
}

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Monitoring

Track routing performance in the dashboard:
  • Approval rates by PSP
  • Failover success rates
  • Latency by PSP
  • Cost analysis

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Webhooks

Payment events include routing information: 
{
  "type": "payment.captured",
  "data": {
    "id": "pay_abc123",
    "psp": "adyen",
    "psp_transaction_id": "8835...",
    "routing": {
      "profile_id": "rp_default",
      "attempts": [
        { "psp": "stripe", "status": "declined", "code": "insufficient_funds" },
        { "psp": "adyen", "status": "captured" }
      ]
    }
  }
}