Routing built to maximize approval
The Decision Engine evaluates every transaction in real time and sends it down the path most likely to be approved — across 26+ integrated providers.
94signals evaluated before each transaction is routed
Powered by a55 AI
Built on configurable routing rules.
The Decision Engine evaluates BIN, MCC, merchant history, amount, and risk to choose the best provider for each transaction — and you set the rules in the console.
Live routing rulesAdjust routing logic in the console and see it apply in real time.
For Shoppers
For Merchants
42.0
Intelligence behind every transaction.
The Decision Engine reads live signals — BIN, MCC, merchant history, amount, risk, and payment method — and routes instantly for the best chance of approval.
Risk-awareApplies 3DS and risk-based checks only when they're needed.
Routing intelligencePicks the best path for approval, margin, and speed.
Configurable rulesSet routing logic per BIN, MCC, or merchant — no product rework.
Tuned for approval, end to end
The Decision Engine evaluates each transaction and routes it for the highest chance of approval — with intelligent retries when a provider declines.
Optimizes every transaction behind the scenes
From geography to volume to risk profile, a55 routes each payment for maximum approval and minimum cost.
Every payment method, one integration
Cards, PIX, boleto, and 10+ local methods across 7 countries — a55 makes every method feel native to your checkout.
Performance built for complex markets.
Real-time routing, enterprise-grade reliability, and approval optimization built in — all ready for your flow.
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The smartest way to get more transactions approved
The Decision Engine routes every transaction for the best chance of approval — automatically.