AI that automatically selects the optimal path for every transaction to maximize approvals and minimize cost.
Not every payment processor approves every transaction the same way. AiPay's routing engine learns which paths perform best for which transaction types, and routes accordingly — automatically.
The AI considers issuer behavior, card type, transaction size, currency, and historical approval data across all connected processors, then picks the route most likely to succeed at the lowest possible cost.
Route seamlessly across multiple acquiring banks and processors.
Automatically favors the lowest-cost successful path for every transaction.
If a route fails, the AI instantly tries the next best option.
Adapts routing based on local acquiring performance by region.
Smart routing turns a fixed-cost, fixed-approval-rate payment stack into a dynamic system that keeps improving. The result: higher approval rates and lower processing costs, without you touching a dashboard.