Routing

In case you have selected our Embedded or Semi-lite checkout integrations, once you have set the conditions for when to display a payment method, you can configure the routing of the already enabled payment methods. However, if you have selected our Lite version, you will have all the available payment methods available to start configuring how to process the payment.

What is dynamic routing?

Dynamic routing is a payment orchestration technique that enhances users' payment experience while automating the process of increasing approval rates. It involves directing payment transactions to the most suitable payment service provider or acquiring bank based on various factors such as card type, transaction amount, currency, and payment origin. You can also use the Smart Routing feature, which uses artificial intelligence to identify the optimal conversion rate and allocate transactions to the most suitable provider.

Why use dynamic routing?

Yuno, through its user-friendly Merchant Dashboard, offers a graphical interface for you to configure business rules for payments. Yuno's dynamic routing feature allows you to create personalized payment flows by defining validation and processing services according to your specific requirements. As a result, you can prioritize services that align with your needs, such as those with lower fees or higher approval rates.

By leveraging dynamic routing, you will enjoy several advantages.

Optimization

You can optimize your payment processing strategy in response to market changes, regulatory demands, or other factors. By quickly adjusting routing rules, you can seamlessly switch between PSPs or services, ensuring you will always use the best options for processing transactions.

Reduce costs

Dynamic routing allows you to significantly reduce payment processing fees. By routing transactions through the most cost-effective PSP or service, you can take advantage of lower fees or better exchange rates offered by different providers for specific currencies or transaction types.

Mitigate frauds

You can direct high-risk transactions to specialized fraud prevention providers or PSPs with advanced fraud detection capabilities, minimizing your exposure to fraudulent activities.

Processing speed

Dynamic routing ensures efficient and speedy transaction processing. Directing transactions to the most suitable PSP or service based on transaction volume, processing capacity, or response times can enhance the overall customer experience while reducing the likelihood of transaction failures or delays.

Configuring the dynamic routing

First, access your Yuno Merchant Dashboard account and select the option Routing. The Routing page separates the payment by Not published and Published. In the Not published tab, you will find the payment methods connected to your account that don’t have a published route.
Choose a payment method and click on Set up. The right panel will then appear, and you can click on Create new route to start configuring routes.
Name the route you will build.
Use the Add new condition button to define the condition that will trigger the payment processing route. You can combine several conditions to narrow the payment usage.
Select and define one or more conditions to narrow the route usage. The conditions available vary depending on the selected payment method.
Add connections to the condition created. Depending on the payment method, you can integrate fraud solutions, processors, and acquirers.
For each new connection, you can define paths for each possible case (Succeeded, Declined, and Error). New steps can be connected to each case to build a complete routing that meets your demands.
After adding all steps of the payment process route, you can publish it using the Publish button, making it available for the respective payment method.

Smart Routing

Smart Routing is a solution designed to intelligently optimize payment performance according to the variable the merchant chooses to optimize:

Conversion rate and costs
Conversion rate and latency

You only need to specify which providers you want to work with and which variable you want to optimize, and Smart Routing will route each payment through the optimal path.

You can enter different associated costs for each connection. Smart Routing uses the costs you set up on the connection page to optimize your costs.