PSP Routing

Intelligent payment routing with automatic failover to maximize approval rates.

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.

Features

Feature	Description
Smart Selection	Routes based on card type, currency, and historical performance
Auto Failover	Automatically retries soft declines with backup PSPs
Cascade Rules	Configure retry behavior based on failure codes

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"
  }'

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"
  }'

Failover Behavior

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

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)

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.

Supported PSPs

Atlas integrates with leading payment processors:

PSP	Card	Apple Pay	Google Pay	ACH
Stripe	✓	✓	✓	✓
Adyen	✓	✓	✓	-
Checkout.com	✓	✓	✓	-
Braintree	✓	✓	✓	-
Authorize.net	✓	-	-	✓
Chase	✓	✓	✓	-
Nuvei	✓	✓	✓	-
dLocal	✓	-	-	-
Airwallex	✓	✓	✓	-
Windcave	✓	✓	✓	-
PayPal	-	-	-	✓

Contact support to enable additional PSPs for your account.

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

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
    }
  ]
}

Monitoring

Track routing performance in the dashboard:

Approval rates by PSP
Failover success rates
Latency by PSP
Cost analysis

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" }
      ]
    }
  }
}

Getting Started

Payments

UI Components

Billing

Data & Security

Mobile

Developer

How Routing Works

Features

Routing Profiles

Force Specific PSP

Failover Behavior

Retryable (Soft Decline)

Non-Retryable (Hard Decline)

Supported PSPs

Routing Rules

Cascade Configuration

Monitoring

Webhooks

​How Routing Works

​Features

​Routing Profiles

​Force Specific PSP

​Failover Behavior

​Retryable (Soft Decline)

​Non-Retryable (Hard Decline)

​Supported PSPs

​Routing Rules

​Cascade Configuration

​Monitoring

​Webhooks

How Routing Works

Features

Routing Profiles

Force Specific PSP

Failover Behavior

Retryable (Soft Decline)

Non-Retryable (Hard Decline)

Supported PSPs

Routing Rules

Cascade Configuration

Monitoring

Webhooks