Dynamic Routing

I led the development of a dynamic routing system that intelligently directs payment transactions to optimal payment service providers based on key factors like card BIN, transaction amount, currency, metadata and geographic location.

The system uses a rule engine that evaluates transaction properties against configured routing rules in a decision tree structure, allowing merchants to define custom routing logic. We implemented provider selection based on real-time performance metrics (success rates, latency, costs), automatic failover handling, and smart retry mechanisms. The product feature is currently optimizing millions of dollars monthly and increasing the authorization rates of our clients.