Routing
is the product
Anyone can pass a transaction to a bank. The hard part is knowing which bank, for which card, from which country, at which moment. That's what we built
What the engine actually does
Reads every transaction in real time: BIN, country, amount, vertical
Smart Routing
Scores every channel for this exact transaction. Best one wins
Cascading Retries
Soft declines get retried on the next channel, same session
Routing Rules
Set hard rules if you want them. The engine optimizes inside them, or runs on its own
Load Balancing
Volume spread across MIDs so no single one runs hot
Balance load across my MIDs
Balancing configured
No single MID runs hot
Channel Health
Approval rates, latency, error codes. Slipping routes lose traffic early
New payment link
New payment link
Payment purpose
Invoice #1042
Amount
EUR
1 260 €
Expiry date
12.09.2027
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Channel Health
Approval rates, latency, error codes. Slipping routes lose traffic early
New payment link
New payment link
Payment purpose
Invoice #1042
Amount
EUR
1 260 €
Expiry date
12.09.2027
Create link
Approval rates don't collapse. They leak
Approval rates don't collapse. They leak
An issuer tightens
Declines climb in one market. Traffic shifts to the channels still approving
An acquirer quietly derisks
One bank cools on your vertical. That's a routing event, not a crisis
A MID hits its volume cap
Load is already balanced across MIDs, so volume just keeps moving
On a single channel
Each of these shows up as revenue you'll never see and can't explain
01
An issuer tightens
Declines climb in one market. Traffic shifts to the channels still approving
02
An acquirer quietly derisks
One bank cools on your vertical. That's a routing event, not a crisis
03
A MID hits its volume cap
Load is already balanced across MIDs, so volume just keeps moving
04
On a single channel
Each of these shows up as revenue you'll never see and can't explain
Every vertical gets routed differently
The engine knows which channels perform in yours
Every vertical gets routed differently
The engine knows which channels perform in yours
Every vertical gets routed differently
The engine knows which channels perform in yours
Routing meets settlement and the API that runs them, all under one roof with dispute protection
Routing meets settlement and the API that runs them, all under one roof with dispute protection
Tell us what you sell
We'll tell you how it gets approved. Two minutes of your time, and a straight answer from a human
Prefer email?
hello@apxrails.com
Copied
Tell us what you sell
We'll tell you how it gets approved. Two minutes of your time, and a straight answer from a human
Prefer email?
hello@apxrails.com
Copied
Tell us what you sell
We'll tell you how it gets approved. Two minutes of your time, and a straight answer from a human
Prefer email?
hello@apxrails.com
Copied