Advanced Routing Rules

Routing Rules, part of Advanced Setup in the Payment Optimization Engine, conditionally route transactions to specific gateways to optimize approval rates, cost efficiency, and acquiring strategy.

Benefits of Advanced Routing for your business:

• Geography-Based Optimization Route transactions to regionally aligned gateways based on billing or shipping country to improve authorization rates without restructuring pricing or plans.

• Customer Segment-Based Optimization Direct different customer segments (e.g., freemium vs. enterprise) to specific gateways to tailor processing strategy and service levels.

• Payment Method-Based Optimization Route specific payment methods or APMs to specialized gateways to improve performance and operational efficiency.

• Card-Based Routing Optimization Route card transactions based on the 6- or 8-digit BIN, card brand, card type, or issuing country to the most suitable gateway.

• Cost-Aware Routing Distribute traffic to manage cross-border fees, interchange exposure, or gateway pricing models more effectively.

These are just a few examples of how Advanced Routing can benefit your business. The engine is flexible and can be customized to meet your unique payment routing needs, ensuring optimal results.

Supported variables to set routing strategy:

• Payment method
• Customer location (Billing / Shipping address)
• Checkout amount and currency
• Product catalog / Plan in PC 1.0 and Item price in PC 2.0
• Card BIN (6 or 8 digits)
• Card brand
• Card type (credit, debit, or prepaid)
• Card issuing country

Configuring Routing Rules

Follow these steps to create a new routing rule:

1. Go to the Routing Rules section.

2. Click Create Rule.

   

3. Configure the rule on the Create Rule page:

   • Add the required conditions such as Payment method, Plan, Billing Country, Shipping Country, Invoice Amount, Currency, Card BIN, Card Brand, Card Type, or Card Issuing Country.
   • Select the Payment Gateway to be routed when these conditions match.
   • Enter a Rule Name.
   

4. Verify the rule settings and click Publish to activate the rule.

   

5. The Routing Rules home page will reflect the published rules.

Testing Routing Rules

Before deploying a rule, it's essential to test it to ensure it meets your requirements and behaves as expected.

Follow these steps to run a test:

1. Navigate to the Routing page and click Run Test.
2. Enter values that match the specific rule you want to test.
3. Click Run Test to see the results.

If the expected rule appears on the Result page, congratulations! Your rule is correctly configured.

If the correct routing rule appears in the results, great! Your rule is working as expected. If not, close the Test Routing Rule pop-up, review the rule configuration, and test again.

Routing Rules conditionally route transactions to specific gateways to optimize approval rates, cost efficiency, and acquiring strategy.

Testing card-based routing rules

You can test a card rule by making a test payment on any checkout that uses Payment Components.

Chargebee checks card rules differently on live and sandbox sites:

• Live site: Chargebee uses live BIN data to identify the card's brand, type, and issuing country.
• Sandbox site: Chargebee uses mock card data instead. To test a rule, use one of the example cards in the following table.

Enter the card number with the CVC and expiry date from the same row. Make sure that the card brand is enabled in your gateway account.

Multi-business entity sites

If your site uses multiple business entities, payment optimization settings can be managed at the site level or customized for a specific entity. In general:

• Site-level changes apply to entities that inherit those settings.
• Entity-level customization lets you define routing, defaults, and related rules for a single entity without affecting other entities.
• You can revert an entity to follow the current site-level payment optimization settings when needed.