Payment Routing Engine
Intelligent routing, rail selection, and fallback management
Live
0s ago
Active Rails
6
Avg Latency
1.2s
Success Rate
98.5%
Fallback Rate
1.8%
Rail Performance Analytics
Success rate and latency by payment rail
Healthy (≥95%)
Degraded (90-95%)
Critical (<90%)
1
Transaction Initiated
User initiates payment via wallet, QR, or merchant checkout
2
Rail Selection Logic
System evaluates available rails based on amount, currency, and user tier
3
Fee Calculation
Dynamic fee applied based on rail, amount, and merchant tier
4
Routing Decision
Transaction routed to optimal rail (MoMo, Bank, Card, or Wallet)
5
Settlement
Funds settled to merchant account based on settlement rules
1
Transaction Initiated
User initiates payment via wallet, QR, or merchant checkout
2
Rail Selection Logic
System evaluates available rails based on amount, currency, and user tier
3
Fee Calculation
Dynamic fee applied based on rail, amount, and merchant tier
4
Routing Decision
Transaction routed to optimal rail (MoMo, Bank, Card, or Wallet)
5
Settlement
Funds settled to merchant account based on settlement rules