Routiq sits between your checkout and your PSPs. Our AI routes each transaction to the acquirer most likely to approve that exact card — in under 50 ms. Average authorization lift: +1.2 pp.
How it works
One API call replaces your entire PSP integration effort. Routiq handles connectivity, intelligence, and reconciliation — you keep building product.
Integrate Routiq's single API endpoint. We connect to Stripe, Adyen, Razorpay, Checkout.com and 9 others on your behalf — no individual PSP contracts to maintain, no webhook spaghetti.
Every transaction hits our LightGBM routing model trained on 180k+ BIN prefixes. It predicts which PSP has the highest probability of approval for that specific card, amount, and time — then routes instantly.
When a transaction gets a soft decline (code 51, 61, 65), our model checks recovery probability before retrying. Hard declines are dropped immediately — no wasted attempts, no issuer fraud flags.
Every outcome — approved, soft declined, hard declined — is a training signal. Your BIN models retrain monthly. The network effect kicks in: more merchants means better predictions for every BIN across every PSP.
Settlement files from all PSPs are pulled nightly, parsed, and matched against your orders automatically. Your finance team sees only the 1–2% that genuinely needs human eyes.
Cards are stored as EMV network tokens — valid at every PSP without re-vaulting. You never touch raw card data. Our infrastructure is PCI DSS Level 1 certified.
Transaction flow
6 problems we solve
Standard orchestration routes payments. Routiq routes them intelligently — and fixes the five other gaps costing you money right now.
We score each BIN's approval probability per PSP before the auth request leaves your server. Route to the highest-probability acquirer every single time.
Attackers blocked at PSP-A try PSP-B. Our aggregated fraud model sees patterns across all merchants and PSPs — your siloed PSP fraud engine can't.
Cards at T+2, ACH at T+2, RTP instant, FedNow instant, crypto variable. We give you a unified settlement timeline view and working-capital forecasting.
Our NLP pipeline classifies dispute reason codes, extracts evidence from your order data, and auto-drafts Visa/Mastercard pre-arbitration responses within the window.
Settlement files from 12+ PSPs — different formats, currencies, fee structures — matched automatically every night. Finance sees only real exceptions.
PSD2, PCI DSS v4.0, GDPR, DPDP Act — our policy classification engine maps each transaction to its regulatory obligations and flags violations before they happen.
Under the hood
Every millisecond of latency in the auth path costs money. Our stack is designed ground-up for sub-50 ms end-to-end. No bloated middleware.
PSP connectivity — we handle every integration
Pricing
Start on success-fee — we take a cut of recovered revenue only. Convert to SaaS once we've proved the lift. No lock-in.
A $10M GMV merchant recovering +0.5 pp on authorization rates earns back ~$50k/year. Our median merchant sees +1.2 pp. The first 6 weeks are free and fully attributable.
No credit card required · Setup in under 30 minutes · Cancel anytime