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Configure Smart Routing

Smart Routing allows you to configure routing rules that determine how transactions are routed. You can set conditions, distribute transaction volume, use BIN Groups, and prioritize rules to control your routing configuration.

Access Smart Routing​

  1. Log in to the Merchant Portal with a Merchant Admin account.
  2. Open Smart Routing.
  3. The configured sites are displayed under Rules.
Important

If Smart Routing is not available in your Merchant Portal, contact the NetValve team to have the feature enabled.

Rules and BIN Groups​

Smart Routing has two main configuration areas:

  • Rules — used to configure routing rules for sites.
  • BIN Groups — used as routing references within rules.

Create a BIN Group​

BIN Groups allow you to group BIN information or BIN ranges that can be used as routing references in your rules.

  1. Open Smart Routing.

  2. Select BIN Groups.

  3. Select + Add Bin Group to create a new BIN Group.

  4. Enter the BIN Group details:

    • Name — Enter a name to identify the BIN Group.
    • Configuration type — Select one of the following:
      • BIN Information — Enter the BINs you want to include in the group.
      • BIN Range — Specify a range of BINs to include in the group.
    • Status — Select the status of the BIN Group.

  5. Select Create to save the BIN Group.

Existing BIN Groups can be edited, deactivated, or deleted.

Add a Routing Rule​

  1. Open Smart Routing.
  2. Select the site where you want to create the rule.
  3. Select + Add Rule.
  4. Configure the rule using the rule builder.

The rule builder contains the following sections:

  • Trigger — the entry point of the routing flow.
  • Conditions — defines which payments the rule applies to.
  • Authorize — defines the merchant account and routing distribution for the payment.

Configure Conditions​

Conditions determine which payments the routing rule applies to.

  1. Select Conditions.
  2. Select + Add condition.
  3. Select a field from the available options:
    • Issuing country
    • Card brand
    • Currency
    • BIN group
    • Payment option
    • FSA/HSA
  4. Select the value for the condition.

For example:

Card brand = VISA

tip

You can add multiple conditions to a rule. When multiple conditions are configured, the payment must match all of the conditions for the rule to apply.

Configure Authorization and Distribution​

The Authorize section allows you to configure how transactions are routed.

Configure the following:

  • Merchant account — Select the merchant account that will process the transaction.
  • Percentage of volume — Specify the percentage of transaction volume to route to the selected merchant account.
  • Fallback processor — Select a retry merchant account to use when the primary account declines.
  • Cascading retry — Enable this option to continue to the next matching rule if the current rule declines. The rule order determines which rule is tried next.
  • Limits — Configure the limits for the routing group:
    • Max ticket amount — Set the maximum transaction amount for the group.
    • Overall limit — Set the overall limit for the group.
    • Make default — Set the merchant account as the default when no other group matches.

The total distribution across groups must equal 100%.

Save a Rule​

After configuring the rule, select Save Rule.

The rule becomes available in the rules list.

Manage Existing Rules​

You can manage existing rules from the Rules section.

  1. Edit a Rule — Open an existing rule to update its configuration.
  2. Change Rule Priority — Reorder rules using drag and drop. The rule ranking determines the execution priority.
  3. Enable or Disable a Rule — Enable or disable an existing rule as needed.
  4. Review Rule Details — Review the configuration of an existing rule, including:
    • Merchant account
    • Retry account
    • Distribution
    • Utilization
    • Conditions