Every transaction takes the best path available at that second.
Route on anything you know about a transaction — BIN, issuer, geography, amount, card brand, customer history, MID health — and cascade automatically when the first attempt comes back soft-declined. Rules are readable, versioned, and testable before they touch live volume.
- Routing decision
- Evaluated pre-auth
- Cascade depth
- Configurable per rule set
- MID management
- Load balancing + caps
- Rule changes
- Versioned, no deploy
Orchestration & Smart Routing, end to end.
Four stages, each observable in the dashboard and addressable over the API.
Evaluate
The rules engine scores every eligible route against your conditions and current provider health.
Attempt
The transaction is presented to the selected MID with the token that provider expects.
Cascade
A soft decline or timeout triggers the next route in the ladder, inside the same customer session.
Learn
Outcomes feed back into route weighting, so a degrading MID loses traffic before you notice it.
One integration. Limitless providers.
Every MID you hold connects behind a single API, and the routing engine treats them as interchangeable endpoints scored on live performance rather than on who you signed with first. The provider that earns a transaction is the one performing best at that moment.
| Routing input | Examples |
|---|---|
| Instrument | BIN, brand, issuer country, funding type, network token availability |
| Transaction | Amount, currency, MCC, recurring flag, 3DS outcome |
| Customer | Tenure, lifetime volume, prior chargebacks, risk score |
| Provider state | Rolling approval rate, latency, error rate, monthly cap consumed |
| Business rules | Cost per route, contractual minimums, geographic restrictions |
What you get.
Everything below ships as part of orchestration & smart routing — no separate module, no separate contract.
Conditional rule builder
Compose rules from BIN, issuer country, amount band, currency, brand, MCC, customer tenure, and risk score.
Failover cascades
Define the ladder once; SoniqPay walks it on soft declines, timeouts, and provider errors.
Volume caps and load balancing
Split traffic across MIDs by percentage, monthly cap, or per-MID ceiling.
Health-aware routing
Continuous approval-rate and latency monitoring pulls traffic off a degrading endpoint automatically.
Shadow testing
Run a candidate rule set against live traffic in evaluation mode before it moves a single transaction.
Per-merchant inheritance
Platforms set defaults at the top and let sub-merchants override only what you allow.
Works better with the pieces around it.
Each component is independently useful, but the value compounds when they share a decision path.
Gateway & Vault
A fully branded gateway and PCI-scoped vault that holds your card data as your tokens, not a processor's.
ExploreAI Fraud Prevention
Model-scored risk decisions before authorization, tuned to your vertical instead of a generic retail baseline.
ExploreGuaranteed Transactions
Qualified transactions carry a fraud-chargeback liability shift, so an approval you keep stays an approval you keep.
ExploreBring your own MID. We will bring everything else.
Early access is opening to platforms running real volume. Tell us your stack and we will tell you plainly where the technology moves your numbers.