How AI Routing Works

Payment routing isn't just about cost — it's about maximizing approvals while managing risk and speed.

The Challenge

Traditional routing uses static rules:

• Route to cheapest provider
• Failover on decline
• Manual provider selection

This ignores critical signals: issuer geography, card type, transaction history, time of day.

Our Approach

ZenPays routing considers:

1. Approval Probability - ML models trained on 100M+ transactions
2. Cost Optimization - Real-time fee comparison
3. Latency - Provider response times by region
4. Risk Score - Fraud likelihood assessment

Results

• +12% approval rate improvement
• -18% processing cost reduction
• 40ms average latency

Interested in the technical details? Reach out to our partnerships team.