Products / Smart routing
Route every payment to where it gets approved.
Go Pay scores each transaction and sends it to the best provider by cost, availability, risk and approval history. When a route declines, the next one tries automatically.
Rules → country BR · method card · amount < R$ 5k
- PSP A96.1%Selected
- PSP B92.4%Cascade
- PSP C88.7%Standby
Approval rates illustrative*
Four signals, one decision
in milliseconds
Cost
Fees and FX per provider, so margin stays where you expect.
Availability
Live health checks take a failing provider out of rotation.
Risk
BIN, country and fraud signals pick the safest route.
History
Approval rates by method and segment keep improving the rules.
attempt 1 → PSP B status: "soft_decline" code: "51"attempt 2 → PSP A status: "approved" latency: 412 ms→ customer charged once
When a route says no, the next one tries
Soft declines and timeouts trigger an automatic retry on the next eligible provider, within your limits, without asking the customer to pay again.
- Retry only on soft declines
- Max attempts and amount caps per rule
- Idempotency keys prevent double charges
- Every attempt logged for reconciliation
+23%*
Approval uplift reported in a DominiPay case
24/7
Provider health monitoring
5–7 days*
To switch on a new provider
Routing questions
Q. Can we set our own routing rules?
Yes. Rules combine BIN, country, amount, method and provider health, and you can edit them in the dashboard or through the API.
Q. Does cascading charge the customer twice?
No. Retries only happen on soft declines, and idempotency keys guarantee a single successful charge per payment.
Q. Which providers can we connect?
Acquirers and PSPs enabled for your markets. The list depends on each project and is confirmed during onboarding. [TO CONFIRM]