Route every payment to the optimal processor — by entity, method, amount, or risk — without gateway lock-in.
PaymentHub's gateway orchestration routes payments to any processor based on configurable business rules, supports automatic failover, and lets you add or swap gateways without disrupting ERP posting workflows.
The Problem This Solves
Before PaymentHub
Locked to a single gateway means no leverage on processing fees, no fallback when the gateway goes down, and no ability to optimize routing by transaction type. Switching gateways is a major project that requires rewriting integrations, reconfiguring posting rules, and revalidating reconciliation. Multi-entity organizations forced to use different processors per entity have fragmented payment operations with no consolidated view.
With PaymentHub
Payments route to the optimal processor for each transaction type, entity, and geography. Adding a new gateway takes hours, not months. Failover ensures zero payment downtime. Fee optimization through intelligent routing reduces processing costs by routing to the lowest-cost processor for each transaction profile. Multi-entity payment operations consolidate into a single orchestration layer.
How It Works
Rules-Based Payment Routing
Configure routing rules by entity, payment method, transaction amount, risk profile, geography, currency, customer segment, or custom criteria. Rules are evaluated in priority order — the first matching rule determines the gateway. Common routing configurations include: ACH to one processor and card to another per entity, high-value transactions to a lower-rate processor, international transactions to a gateway with multi-currency support, and risk-flagged transactions to a processor with enhanced fraud tools. Rules are configured through the admin interface with a visual rules editor that shows the evaluation order and test mode for validating routing behavior before production deployment.
Automatic Gateway Failover
When a primary gateway is unavailable, payments route automatically to the configured secondary processor. Failover detection uses real-time gateway health monitoring with configurable thresholds — a single declined transaction versus a pattern of timeouts triggers different responses. Failover is transparent to the customer: the payment processes through the backup gateway without any change to the payment experience, and the reconciliation engine handles the settlement from whichever gateway processed the transaction. Failover events are logged and notified to the operations team for awareness and follow-up with the primary processor.
Gateway-Agnostic Architecture
PaymentHub abstracts the gateway layer from the rest of the payment stack. Posting rules, reconciliation configuration, portal workflows, and fee policies all operate independently of which specific gateway processes a transaction. This means adding a new gateway requires configuring the gateway connection and routing rules — not rewriting ERP posting logic, updating reconciliation mappings, or modifying portal code. Similarly, removing or replacing a gateway is a routing configuration change, not a platform project. This architecture eliminates the vendor lock-in that makes gateway switching prohibitively expensive and risky for most organizations.
Multi-Processor Cost Optimization
The routing engine enables active cost optimization by routing each transaction to the processor offering the lowest effective cost for that specific transaction profile. Card-present transactions route to the processor with the best POS rates, while card-not-present B2B transactions route to the processor with the best Level 2/3 support and interchange qualification. ACH transactions route by the most cost-effective ACH network for the originating entity. The fee analytics dashboard shows effective processing cost by gateway, enabling continuous optimization as rates change and new processor options become available.
Architecture & Integration Notes
The routing engine sits between the payment submission layer (portal, virtual terminal, API) and the gateway connectivity layer. When a payment is submitted, the routing engine evaluates the transaction attributes against the configured rules, selects the target gateway, and submits the transaction through the appropriate gateway connector. The gateway connector layer standardizes the request/response format across all supported gateways, so the upstream payment workflow is agnostic to which gateway processes the transaction. Before/after hooks on the routing evaluation step allow injection of custom routing logic — for example, a hook that applies A/B testing across two gateways to compare effective rates, or a hook that overrides routing based on real-time fraud scoring. Routing rules are versioned and upgrade-safe.
AI Copilot for Gateway Routing Engine
The AI copilot analyzes your transaction patterns — volume, card mix, average ticket, entity distribution, and geographic spread — to recommend optimal routing configurations. It identifies cost savings opportunities from routing changes, suggests failover configurations based on gateway reliability data, and projects the fee impact of adding or removing a processor. During production, the copilot monitors effective processing costs by gateway and alerts operations when routing changes would reduce overall costs. It also generates gateway comparison analyses for contract negotiation, showing actual transaction data to support rate discussions with processors.
AI Copilot — Available on Growth & Enterprise Plans
AI Copilot reduces implementation time for gateway routing engine by automatically generating field mappings, test datasets, and validation scripts based on your ERP schema — so your team can ship faster without writing repetitive configuration code.
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Before & After PaymentHub
| Area | Before | After PaymentHub |
|---|---|---|
| Area 1 | Locked to single processor — switching requires months of work | Add or swap gateways in hours — routing abstracted from posting |
| Area 2 | Gateway outage means no payment processing until resolved | Automatic failover to secondary processor — zero customer impact |
| Area 3 | Single processor rate applied to all transactions regardless of type | Route each transaction to lowest-cost processor for that profile |
| Area 4 | Fragmented gateway management per entity with no consolidated view | Unified orchestration with entity-specific routing and consolidated reporting |
Related Features
Level 2/3 Data Optimization
PaymentHub automatically extracts tax amounts, customer codes, and line-item detail from ERP invoices and submits them with every B2B card transaction — qualifying for the lowest interchange rates without manual data entry.
Automated Reconciliation
Match payments to invoices at the line-item level using AI-powered matching, apply entity-specific posting rules, and route exceptions to a prioritized queue — from 40+ hours of manual reconciliation to under 4 hours monthly.
Headless Payment APIs
REST APIs for invoices, payments, refunds, authorizations, and settlement — plus webhooks for real-time event notifications and admin APIs for programmatic management of fee policies, routing rules, and extensions.
Frequently Asked Questions — Gateway Routing Engine
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