AIPower01
Route selection
Adjust the distribution of eligible transactions as performance changes across available connections.
PAYMENT ORCHESTRATION / AI OPTIMIZATIONMultiple payment channels.
Multiple payment channels.
One point of control.
Connect PSPs, acquiring banks and payment methods through one interface. Coordinate routing, recovery and channel operations around the performance your business needs.
Route each payment with context.
| Routing dimension | Decision context |
|---|---|
| Country & currency | Match the customer market and transaction currency to an eligible payment connection. |
| Card type | Consider supported card categories and the capabilities of the available acquiring channels. |
| Transaction amount | Apply the relevant channel limits and amount-based routing conditions. |
| Success rate | Use observed channel performance to inform transaction allocation. |
| Processing cost | Compare the cost of eligible routes alongside payment performance. |
| Risk level | Keep channel selection aligned with the transaction risk assessment and authentication strategy. |
03 / AI SUCCESS OPTIMIZATIONAdapt the payment strategy
Adapt the payment strategy
as performance changes.
Use real-time transaction performance to inform routing and recovery decisions within your configured controls.
02
Dynamic 3DS
Align authentication decisions with transaction context, risk and applicable requirements to reduce unnecessary friction.
03
Retry timing
Refine the timing of eligible recovery attempts rather than treating every failed payment the same way.
04
Channel priority
Reassess the order of available channels using performance, cost and operational constraints.
04 / AUTOMATIC FAILOVERKeep an alternative ready
Keep an alternative ready
when a channel is unavailable.
Detect channel disruption and direct eligible new attempts to a configured backup connection to reduce payment interruptions.
Detect
Identify unavailability, abnormal response times or other configured health signals.
Reassess
Check the outcome of any in-flight request before deciding whether another attempt is appropriate.
Switch
Use an eligible backup channel that supports the transaction and your routing constraints.
Review
Monitor recovery and reassess the preferred channel when normal service resumes.
A timeout does not establish that a payment failed. Resolve uncertain outcomes before retrying to avoid duplicate charges.
05 / FAILED-PAYMENT RECOVERYRecover the opportunity.
Recover the opportunity.
Respect the payment outcome.
Apply a recovery path appropriate to the decline reason, customer relationship and enabled payment capabilities.
01
Soft-decline recovery
Distinguish potentially recoverable declines from final outcomes. Follow the required authentication or retry path for eligible transactions.
02
Subscription retries
Coordinate retry timing for enabled recurring-payment flows with customer consent, billing rules and account-access policies.
03
Account updates
Use supported account-updater capabilities to keep eligible stored-payment information current.
04
Alternative methods
Offer another enabled payment method when appropriate, giving the customer a clear choice rather than silently changing the payment.
06 / UNIFIED CHANNEL MANAGEMENTOrganize your connections.
Organize your connections.
Keep configuration consistent.
Manage payment-channel configuration in one operating view, with the commercial and technical context needed to route transactions.
PSP & acquiring connections
Identify the provider, channel and configuration associated with each connection.
Merchant IDs
Associate MIDs with the approved business entity and the relevant channel setup.
Rates & limits
Maintain the cost inputs and transaction limits used when evaluating eligible routes.
Countries & currencies
Define which markets and currencies each connection can serve.
Compare cost and performance together.
| Measure | What it helps you understand | Comparison context |
|---|---|---|
| Authorization rate | How often payment attempts receive authorization. | Use the same attempt definition and comparable transaction segments. |
| Processing cost | The cost associated with a channel or payment flow. | Include the relevant charges and currency-conversion treatment. |
| Refund rate | The proportion of transactions or value refunded. | Keep the reporting window and volume/value basis consistent. |
| Chargeback rate | Disputes associated with a channel’s transactions. | Account for reporting lag and differences in merchant or customer mix. |
| Response time | How quickly the channel returns a response. | Review slow responses and timeouts alongside average latency. |
08 / FLEXIBLE RULES ENGINEChange the routing logic.
Change the routing logic.
Keep the integration stable.
Configure routing through visual rules instead of repeatedly changing application code. Define the conditions, eligible channels and fallback order for your approved setup.
ILLUSTRATIVE ROUTING RULE
WHENCurrency is USDAmount is within channel limits
THENUse the preferred eligible channel
IF UNAVAILABLEEvaluate the configured backup
This example explains the decision structure; it is not a live routing configuration.
09 / ARCHITECTURE & MIGRATIONOne integration.
One integration.
Connected payment channels.
Your merchant system connects to AIPower Pay, which coordinates the available payment connections and returns transaction outcomes.
YOUR APPLICATION
Merchant system
Orders · checkout · operations
ORCHESTRATION LAYER
AIPower Pay
Rules · AI optimization · status
PSP connections
Acquiring banks
Payment methods
A phased migration approach
- Map the current setup. Inventory providers, MIDs, methods, currencies and operational dependencies.
- Agree the target flow. Define the interfaces, routing controls and transaction references to retain.
- Validate in test. Check normal outcomes, authentication, refunds, failover and duplicate-event handling.
- Introduce traffic in stages. Agree initial scope, monitoring and rollback criteria before increasing coverage.
- Reconcile and review. Confirm order, payment and settlement records remain aligned throughout migration.
Available connections, rule controls and recovery paths depend on merchant configuration, provider support and the agreed service scope.