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Roadmap for Decision Engine Product

Ankur Mohan Abraham edited this page Mar 24, 2025 · 1 revision

🚀 Advanced Routing Capabilities

  1. Dual-Objective Routing (Cost Optimization, Auth Rate Uplift)

Goal: Improve transaction authorization rates while maintaining cost efficiency.

Merchants can configure rules optimizing PSP/PG costs while dynamically prioritizing providers with better authorization rates.

Cost-based decisions apply first, overridden by dynamic ordering only if a significant benefit in authorization rates is expected.

  1. Least Cost Routing for Co-Badged Cards (Cost Optimization)

Goal: Reduce transaction costs by leveraging local debit networks.

Introduces Least Cost Routing (LCR) for Middle East, Australia, and US.

Optimizes interchange and processing costs while maintaining high approval rates.

  1. Volume-Based Routing for Merchant-Acquirer Contracts (Cost Optimization)

Goal: Ensure compliance with merchant-acquirer transaction volume commitments.

Routing logic will prioritize volume allocation to PSPs based on contractual agreements.

Helps merchants avoid penalties and unlock better pricing.

  1. Dynamic Exploration (Hedging) Based on SR Trends (Auth Rate Uplift)

Goal: Improve success rates by dynamically adjusting PSP/PG exploration frequency.

Reduces ineffective experimentation by deprioritizing low-performing providers.

Prioritizes high-performing or promising PSPs based on historical trends.

  1. Granular Routing with 5 Additional Dimensions (Auth Rate Uplift)

Goal: Provide merchants with deeper control over transaction routing.

Introduces new routing dimensions like country of origin and payment flow type (CVV-less, tokenized, non-tokenized).

Enables more tailored routing strategies to optimize approval rates and cost efficiency.

🛠 Developer Experience Enhancements

  1. API Re-Engineering for Seamless Integration

Goal: Simplify integration within merchant payment stacks.

Provides easy-to-use REST APIs.

GRPC interface support for lower latencies.

  1. Configuration CRUD APIs

Goal: Allow merchants to manage routing configurations effortlessly.

Enables easy creation, update, and management of routing rules.

  1. Cloud-Agnostic Installation Toolkits

Goal: Facilitate self-installation and self-integration within any cloud environment.

Merchants can deploy the service within their own infrastructure seamlessly.

📊 Transparency & Monitoring

  1. Business & Technical Metrics Export Toolkit

Goal: Enable merchants to track routing performance within their own monitoring environments.

Provides export capabilities for key business and technical metrics.

  1. Analytics API for Monitoring

Goal: Offer API-based access to business and technical metrics.

Allows merchants to integrate routing analytics into their own dashboards.

  1. Dashboard Interface for Performance Monitoring

Goal: Provide a self-deployable interface for monitoring routing efficiency.

Helps merchants visualize and analyze performance trends.

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