Payment Routing Engine
Intelligent payment routing: rules and data-driven decisions by cost, approval probability, BIN, region and provider health.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Payments Infrastructure
Engagement
Project · Team · Managed
Overview
Payment routing decides, per transaction, which provider or path to use. We build routing engines that combine configurable rules — BIN ranges, currencies, amounts, merchant categories — with live provider health and historical performance data. Routing decisions are logged and explainable, and A/B testing lets you prove a routing change improves outcomes before rolling it out.
Common use cases
- BIN-based routingDomestic cards to local acquirers.
- Health-based routingAvoid degraded providers in real time.
- Least-cost routingMinimise processing cost within approval targets.
- ExperimentationTest routing strategies with controlled traffic splits.
Quick answers
Payment Routing Engine at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is payment routing engine?
- Intelligent payment routing: rules and data-driven decisions by cost, approval probability, BIN, region and provider health.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Rules engine
- Provider health monitoring
- Performance data
- Decision logging
- Traffic splitting
- Low latency
- Which technologies are used?
- ISO 8583, PCI DSS, Double-Entry Ledgers, Go (Golang), Java, Apache Kafka — chosen to fit your stack and constraints.
- How does the process work?
- Flow mapping → Provider strategy → Core build → Reconciliation & settlement → Certification & launch.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Rules engine
Versioned routing rules editable by operations.
Provider health monitoring
Real-time success and latency tracking.
Performance data
Historical approval and cost models.
Decision logging
Explainable routing decisions.
Traffic splitting
A/B tests of routing strategies.
Low latency
Routing decisions in milliseconds.
Architecture
Engineered right from day one
The layers we typically design for payments infrastructure, adapted to your stack and partners.
- Idempotency everywhereEvery mutating API and webhook handler is safe to retry.
- PCI scope reductionTokenisation and hosted fields keep card data out of most systems.
- Provider redundancyFailover routing reduces the impact of provider outages.
- Exact accountingMinor units, currency precision and fee attribution handled consistently.
Delivery
How an engagement runs
- 1
Flow mapping
Payment methods, markets, merchant types and every state a payment can be in.
- 2
Provider strategy
Which acquirers, PSPs and rails, and how to route between them.
- 3
Core build
Payment state machine, ledger, idempotent APIs and webhooks.
- 4
Reconciliation & settlement
Automated matching against provider reports and bank statements.
- 5
Certification & launch
Provider certification support, load testing and staged rollout.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Payment Gateway
A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Learn moreShivacha Merchant Payments
Merchant onboarding, omnichannel acceptance and settlement in one platform.
Learn moreRelated services
Often combined with
Payment Orchestration Platform
Orchestrate multiple PSPs and acquirers with smart routing, failover, unified tokens and consolidated reporting.
Learn morePayment Platform Development
End-to-end payment platforms: acceptance, processing, orchestration, settlement, reconciliation and payouts at scale.
Learn morePayment Gateway Development
Custom payment gateways with hosted checkout, tokenisation, multi-acquirer connectivity, 3DS and merchant APIs.
Learn moreDedicated team
Payments Engineering Team
Specialists in gateways, processing, orchestration, settlement and payouts.
Work & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Is routing only for cards?
No. Routing applies to bank transfers, local methods, payouts and stablecoin rails as well.
Can operations teams change routing without engineers?
Yes, through a rules console with validation, versioning and approval workflows.
Do you process payments directly?
No. Shivacha builds the software; payments are processed by licensed acquirers, PSPs and banks that you contract with. Our platforms integrate and orchestrate those providers.
Can you help reduce payment failures?
Yes, through smart routing, retries, network tokenisation, local payment methods and analytics on decline reasons — all subject to your provider agreements.
Next step
Discuss Your FinTech Product.
Tell us about your payment routing engine requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.