Transaction Routing Optimization with DECTA Gateway

In the fast-paced world of digital payments, ensuring high approval rates and seamless transactions is a top priority for Payment Service Providers (PSPs), acquirers, and payment operations managers. At DECTA, we understand the complexities of payment processing and have developed a robust solution to optimize transaction routing through our advanced payment gateway.

Why Transaction Routing Matters

Transaction routing is essential to payment processing. The routing of payment—when and how it gets routed—can lead to determinations of approval rates and processing speed, delays in processing, and/or accelerating it all the way to its determined destination, and ultimately, making or breaking the customer experience. Should transaction routing fail, declined transactions are left on the hook for more time and money spent troubleshooting unnecessary efforts and rerouted fees. DECTA Gateway elevates transaction routing with soft and hard intelligent routing strategies that analyze traffic and historical data to choose the most effective channels for any given transaction to get it where it needs to go, reducing declines and increasing conversion rates.

How DECTA Gateway Optimizes Transaction Routing

DECTA Gateway is equipped to provide PSPs and acquirers with cutting-edge payment processing capabilities. This is how we enhance transaction routing for higher approval rates:

Intelligent Path Selection: Transaction routing is enhanced by using the best route. DECTA Gateway has advanced algorithms to understand which routing paths present higher approval rates—after years of experience, we know that transactions for certain processed acquirers tend to have the opposite outcome, for example, so we automatically set routing for those transactions for Mastercard, Visa, and UnionPay International, if the better chance exists. We also route by payment type and merchant location through the card scheme we've worked with for expedited processing.

Support for Multiple Payment Methods: DECTA Gateway provides multiple payment methods; the more options the better for approval rates. We are PCI, PCI P2PE-certified, and DSS compliant; we accept digital wallets Apple Pay, Google Pay, Samsung Pay, open banking solutions, traditional card payments, and flexible card payment options with more than 50 currencies and international processing capabilities.

3D Secure and PSD2 Compliance: When it comes to security, payment processing is no joke. That's why the DECTA Gateway is PSD2/SCA compliant with the latest 3D Secure (3DS v2.2) and with SCA exemptions for those low-risk transactions that qualify. Less checkout friction with increased compliance means higher approval rates and fewer abandoned carts.

Tokenized Payments for Seamless Processing: Payment processing through the DECTA Gateway also supports tokenized payments, replacing sensitive cardholder details with secure tokens. Not only does this create a secure environment, but it also enables easier routing for contactless (NFC), eCommerce, and in-app purchases. This gives you the advantage when using accepted third-party processors like Apple Pay and Google Pay.

Omnichannel Integration: DECTA offers omnichannel integration, meaning that you can do online payments, in-store POS, and mobile payments under one umbrella. This unified approach means integrated routing optimization across all solutions, with real-time reporting and real-time analytics to determine performance and where to make adjustments.

Benefits of Optimized Routing with DECTA

Optimized routing with DECTA offers PSPs and acquirers a range of valuable benefits, empowering them to enhance transaction efficiency and performance.

Higher Approval Rates: Intelligent routing and support for SCA exemptions minimize declines, ensuring more transactions are successfully processed on the first attempt.

Reduced Operational Costs: Efficient routing reduces the need for retries and manual interventions, lowering processing fees and operational overheads.

Enhanced Customer Experience: Faster, more reliable transactions lead to satisfied customers, reducing cart abandonment and fostering loyalty.

Scalability and Flexibility: Whether you’re handling recurring payments, one-click transactions, or pay-by-link scenarios, DECTA Gateway adapts to various payment scenarios, ensuring optimal routing for every use case.

Real-World Applications

Routing optimization is optimized for different sectors and payment scenarios via DECTA Gateway. For instance, an eCommerce merchant can utilize tokenized one-click payments—without having to re-enter repetitive authentication on subsequent attempts. A travel business routes its transaction data routing with a data set specific to that endeavor for easier cash flow planning. Furthermore, we enable Visa Direct and Mastercard MoneySend to accommodate real-time fund transfers, swift payouts on the back end, and higher approval rates for P2P transactions and B2P transactions.

Getting Started with DECTA Gateway

Interested in optimized transaction routing? DECTA Gateway integration is easy, and we'll get you up and running in no time. DECTA's payment processing and acquiring solutions are offered to any Mastercard Principal Member, Visa Principal Member, and UnionPay International Member. We offer a 99.99% uptime SLA, and you'll be working with internationally certified project managers with over 5 years of experience in the payments world. After application, we offer personalized support to get you live, tailored to your business needs, in as little as two months.