PSPs

Master MID Protection for PSPs

Protect your master MIDs by automatically routing at-risk sub-merchant traffic away before it threatens the portfolio. Full visibility into every sub-merchant, at scale.

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Smart Routing Engine Protect master MIDs by routing at-risk traffic automatically
Master MID-01 Score: 81

$18.2M

45 sub-merchants

Master MID-02 Score: 64

$4.8M

12 sub-merchants

Auto-Routing Active

2 sub-merchants diverted from Master MID-01 to protect portfolio health

  • TravelDeals Pro (SM-8821)
    HEALTH 28

    $3.2M/mo • CB: 1.42% • Health: 28

    CB rate exceeds 1.0% threshold

    Master MID-02 Backup MID-05 DIVERTED
Backup MID-05

$5.1M

2 sub-merchants

Score: 42

Multi-merchant MID management

Manage master and sub-merchant MIDs from one place. See how every sub-merchant is affecting the accounts they share.

Intelligent routing

Move at-risk traffic to protect healthy MIDs, automatically, before one bad sub-merchant drags down the rest.

White-label dashboard

Your brand, your platform. Give sub-merchants a polished view while you keep control of the portfolio.

API-first integration

Built to plug into your stack. Pull everything you need through our API and run it inside your own systems.

How RouteSense helps PSPs

Route away from at-risk sub-merchants

One bad sub-merchant can put an entire master MID at risk. RouteSense watches every sub-merchant in near real time and automatically shifts at-risk traffic to backup accounts before chargebacks or VAMP breaches threaten the portfolio.

Smart Routing Engine Protect master MIDs by routing at-risk traffic automatically
Master MID-01 Score: 81

$18.2M

45 sub-merchants

Master MID-02 Score: 64

$4.8M

12 sub-merchants

Auto-Routing Active

2 sub-merchants diverted from Master MID-01 to protect portfolio health

  • TravelDeals Pro (SM-8821)
    HEALTH 28

    $3.2M/mo • CB: 1.42% • Health: 28

    CB rate exceeds 1.0% threshold

    Master MID-02 Backup MID-05 DIVERTED
  • VitaLife Direct (SM-6294)
    HEALTH 34

    $1.9M/mo • CB: 1.08% • Health: 34

    Approaching VAMP threshold

    Master MID-01 Backup MID-05 MONITORING

    Ready: Backup MID-05

Sub-merchant visibility at scale

See all of your sub-merchants ranked by risk, with the ones that need attention surfaced first. Catch the handful trending toward a threshold before they become a problem for everyone on the MID.

Total Sub-Merchants
127
Healthy
112
Active
88.2%
At Risk
11
8.7%
Critical
4
Early Warning: 15 Sub-Merchants Need Attention

4 critical (action required within 2-3 days) • 11 at risk (trending toward VAMP threshold)

High-Priority Sub-Merchants

Sorted by risk level
  • TravelDeals Pro (SM-8821) 2
    Critical

    $3.2M/mo • CB: 1.42% • Auth: 82.3% • DAYS 3.1%

    VAMP breach • Auth rate declining

    HEALTH 28

Visa VAMP

Portfolio Fine Risk: Compliant
Compliant
112
At Risk
11
Exposure
$68K
Breached
4

Mastercard ECP

Portfolio Fine Risk: Compliant
Compliant
124
At Risk
3
Exposure
$0
Breached
0

Sub-merchant compliance monitoring

Track Visa VAMP and Mastercard exposure across your whole portfolio and know your fine risk before the networks tell you. Spot breaches early and act while you still can.

Critical: 4 Sub-Merchants in VAMP Breach

Combined volume of $8.6M at risk. Master MID exposure requires immediate action.

  • TravelDeals Pro (SM-8821) • Travel • $3.2M/mo
    Visa VAMP 1.42% /1%
    MC ECP 0.68% /1.5%
    5 days in breach Compliant Master MID at risk

How RouteSense works

Connect

Point your checkout at RouteSense and bring your accounts and gateways. We emulate a standard gateway, so for most stacks it is a switch, not a rebuild.

Analyze

We read every transaction along with live fraud and dispute data, then turn it into a clear, real-time picture of where your payments are winning and where they are leaking.

Act

RouteSense puts every transaction on its best path, rebalances volume before accounts hit their limits, and surfaces the wins. Set your priorities once and the platform does the rest.

Product suite overview

Three products, one platform. Intelligence, protection, and routing for the modern payment stack.

Pathfinder

Intelligent transaction routing that puts every payment on its best path to approval. More transactions through, more revenue captured, on autopilot.

Sentinel

Dispute and fraud monitoring in near real time. See where trouble is coming from and shut it down before the chargebacks stack up.

MIDAS

The credit score for merchant accounts. One clear health score per MID across the full payment lifecycle, so you always know where to put your volume.

See RouteSense in action

Bring your accounts, your gateways, and your data into one platform. We will show you where your approvals are leaking and how much you can win back.

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