How real-time payment routing works

Payment routing is the step that chooses which processor handles a card payment. In a single-processor setup the answer is always the same provider. With Avendo, the checkout is connected to multiple payment processors, and Avendo automatically routes each transaction to the processor offering the best available rate in real time.

Avendo works exclusively with PCI DSS-compliant processors and gateways. It is built for e-commerce, works with existing checkout pages, and serves small businesses through enterprise organizations. The routing happens behind the checkout, which is why shoppers do not see a different payment page.

Fixed per-transaction fees weigh more heavily on small orders. Swipesum works through an example where a $100 payment costs $3.20 in base processing fees and a $10 payment costs 59 cents, an effective cost of 3.2% on the larger payment and 5.9% on the smaller one.

Small online stores often sell a mix of order sizes, so no single rate card fits every sale equally well. Choosing a processor for each transaction, instead of for the whole year, is the idea behind Avendo. For the developer side of the setup, read adding Avendo to an existing checkout, or go back to the guide to online credit card processing for small business.