Pathfinder

Routing that thinks for you

Pathfinder puts every transaction on its best path to approval, automatically, based on live merchant-account health. More approvals, no manual rules, no babysitting.

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1

Transaction Received Visa •••• 4242 • $127.50 • US Consumer
2
MIDAS Real-Time Evaluation Analyzing all available MIDs for optimal routing
- MID-8472 Selected
  
  MIDAS Score
  
  94
  
  Auth Rate
  
  96.1%
  
  Capacity
  
  78%
- MID-3291
  
  MIDAS Score
  
  72
  
  Auth Rate
  
  87.2%
  
  Capacity
  
  92%
- MID-1029
  
  MIDAS Score
  
  45
  
  Auth Rate
  
  79.4%
  
  Capacity
  
  98%
3

Routed to MID-8472 Selected for highest MIDAS score (94) with excellent health and 96.1% auth rate
Transaction Approved Response time: 184ms

Real-time smart routing

Every transaction goes to the strongest account available, decided in milliseconds on live data.

Higher approval rates

More good transactions get through, which means more revenue from the same traffic.

Auto VAMP protection

When an account approaches a threshold, Pathfinder moves traffic away automatically to keep it safe.

No hard integrations

Pathfinder sits between your cart and your gateways. For most stacks it is a simple switch, not a rebuild.

How Pathfinder works

The Intelligence Layer for Payments

Pathfinder sits in your transaction flow as an intelligence layer, reading live account health and routing every payment to where it is most likely to approve.

Integrate in minutes, not months

For most stacks, connecting Pathfinder is a simple endpoint switch. Bring your accounts and gateways and go live fast.

Higher approval rates

By keeping traffic on healthy accounts and off the ones dragging you down, Pathfinder lifts approvals across your whole operation.

Route every transaction to the right place

Every payment is evaluated in real time and sent down its best path to approval, automatically, with no manual rules to maintain.