To access your Router page, navigate through the left-side menu. Within this section, you have the capability to customize payment flows tailored for specific countries or regions, and establish rules to automate payment logic efficiently.

Please be aware that Bridger Retry™ functionality exclusively pertains to Credit Card processors, wherein the order of placement determines the fallback order for retry attempts. It is important to note that Automated Payment Method (APM) transactions cannot be retried.

To create a route, follow these steps:

  1. Click on the "+" symbol adjacent to Payment Routes.
  2. You will be prompted to select one or multiple countries for the route. Opt for either a single country route or multiple countries consolidated into one route. Don't forget to assign a name to the route to facilitate easy identification.
  3. Subsequently, you can add any Payment Service Providers (PSPs) that are connected to your account. Arrange their order by simply dragging and dropping, as this sequence will govern the retry attempts for declined transactions involving Credit Card processors.
  4. Additionally, you have the ability to enable or disable PSPs directly on the Router page using the toggle button situated below each PSP.
  5. Upon finalizing the setup, click "Create," and the route will be applied, allowing you to edit it whenever necessary.

In scenarios where the client's depositing country does not correspond to a specific route, the transaction will default to the "Worldwide" route, ensuring a fallback option for comprehensive coverage.

Global Rules

Within your Router, you have the capability to establish Global Rules, which offer diverse options for credit card processing. These rules can be tailored to suit your specific requirements. Here is an overview of the available Rules

  • Block cards based on their brand, country of origin, or bin number.
  • Process card payments using specific Payment Service Providers (PSPs) based on card bin and brand.
  • Exclude PSPs from your routes after they have processed a predefined amount, either on a daily or monthly basis.
  • Route payments exceeding a specified value to a particular PSP.

To add rules to your payment flows, follow these steps:

  1. Click on "Global Rules" located in the top-right corner.
  2. A new window will open. Click on the "+" button adjacent to "Add a Credit Card Rule."
  3. In the subsequent window, select the desired Rule Type and Condition Type.
  4. Complete the mandatory fields as required.
  5. Once you have provided the necessary information, click on "Add" situated at the top-right corner to implement the rule effectively.

We have successfully implemented Global Rules within our system to effectively address the recurring declines that have been observed during the analysis of payment data. With BridgerPay Rules, you have the flexibility to configure these conditions in various combinations, both on a country-specific basis and globally.

Our approach encompasses four distinct categories to optimize payment processing:

  1. Blocking a payment provider from handling specific payment types: In instances where a particular range of card bins consistently experiences declines, you can avoid processing them with the PSP that is rejecting such transactions or entirely prevent payments from those bins. This blocking capability can be achieved based on criteria such as Card bin, Card brand, and Issuing country.
  2. Sending specific card brands to dedicated payment providers: Recognizing that certain card brands exhibit superior performance with particular acquirers, you have the option to designate those acquirers as the default processor for those specific cards.
  3. Excluding a payment provider upon reaching a processing volume threshold: Many payment gateways impose processing volume limits. To circumvent undesired declines, you can cease utilizing a specific processor once it reaches a defined volume threshold.
  4. Processing payments above a specified amount with designated providers: Considering that sizeable transactions might raise suspicions for certain payment providers, while others accommodate them without issue, you can streamline the process by routing high-ticket items to the most suitable and best-performing PSPs.

These dynamic features enable you to fine-tune your payment processing approach, ensuring optimal performance while mitigating potential issues and enhancing the overall payment experience for your users.