Payment Routing & Fee Calculator
Intelligent payment processing system that determines optimal routing paths, calculates precise fees, and applies appropriate security measures based on transaction context.
Solution
This payment processing system dynamically routes transactions through the most appropriate payment channels while calculating precise fees and enforcing security measures tailored to each transaction. The solution evaluates payment type (credit card, debit card, bank transfer, cryptocurrency, digital wallet) and automatically selects the optimal processor with appropriate base fee rates.
Channel-specific routing logic adjusts fees and risk assessments based on whether transactions occur via web, mobile, point-of-sale, or API integrations. Transaction amount thresholds trigger graduated security measures, from standard verification for small amounts to enhanced 3D Secure and manual review for large transactions. The system calculates final fees by combining base percentages with channel and amount-based adjustments, while implementing appropriate security protocols including fraud scanning, velocity checks, and verification requirements matched to the risk profile.
How it works
The payment routing system follows a logical sequence:
- Payment Type Analysis: Identifies the transaction type (credit card, debit, ACH, crypto, digital wallet) and assigns the corresponding processor, base fee, and initial risk score.
- Channel Evaluation: Assesses the submission channel (web, mobile, POS, API) and adjusts fees and risk scores accordingly.
- Amount-Based Processing: Applies graduated fee adjustments and security requirements based on transaction value, with special rules for specific payment routes.
- Fee Calculation: Combines all fee components (base percentage, channel additions, amount adjustments) to determine the final fee amount, enforcing minimum fee requirements.
- Security Verification: Calculates total risk score from all factors to determine necessary verification methods, fraud scan levels, velocity checks, and potential manual review requirements.
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