Dynamic Routing

Our approach

It is important to understand JusPay's implementation of dynamic routing to be able to configure gateway priorities correctly for your Merchant Account. Our approach has been to ensure maximum conversion rate and the implementation reflects this. The dynamic routing algorithm uses a non-deterministic mathematical model to rank all applicable gateways for the given transaction, using a lot of information, such as, gateway health, gateway performance for a similar transaction recently, historical performance, etc.. Along with this, we take into account the priorities configured by you and arrive at the final gateway, such that the success probability is the highest.

So, please do not be surprised if a different gateway is chosen for a particular transaction which doesn't really align with your configuration. Getting you the maximum success rate is more important to us.

If a particular gateway is not applicable for a transaction, say payment mode is SBI NetBanking and gateway is HDFC PG, then that gateway will be automatically dropped by us. So, you don't have to take care of that in the priority logic.

Simple routing

Most typical routing logic would be to set up one gateway as primary and another gateway as secondary. Secondary gateway is usually used as a backup in case of primary gateway going down. However, there could be cases where a specific card BIN performs really well with the given PG and we might end up chosing the secondary gateway in such a case.

You can configure the priorities of gateways using a comma separated string representation. For instance, say you have two gateways namely HDFC and ICICI. Now, if you need to setup HDFC as primary and ICICI as secondary, then you should configure the priorities as given below:

HDFC,ICICI

DSL

We understand that one size doesn't fit all. So, we have come up with another flexible option where you have the complete capability to dynamically set the priority.

You can describe the priority logic in Groovy code and set the priority dynamically for any given transaction. The gateways should be identified using the unique names (enumerations given below) and you are expected to setup the priority in the form of a string List. First gateway in the list has the highest priority and so will be preferred over others.

Note: Good code writing skills are necessary here. If you dont know what this is or is doubtful, please get in touch with us along with your requirement and we will help set this up for you.

Context

Transaction details are given as input to the DSL. Please see below for all the input variables that will be available to you in the DSL.


def order = [orderId: "orderId", amount: 5000.00, currency:"INR", preferredGateway: "AXIS", 
              udf1:"web", udf2: "desktop", udf3: "flight_booking", udf4: "", udf5: "", 
              udf6: "", udf7: "", udf8: "", udf9: "", udf10: ""]

def txn = [ txnId: "txnId", isEmi: true, emiBank: "HDFC", emiTenue: 6 ]

def payment = [cardBin: "524368", cardIssuer: "HDFC Bank", cardType: "CREDIT", cardBrand: "MASTERCARD", 
                paymentMethod: "MASTERCARD", paymentMethodType: "CARD"]

// use the below for randomization
long currentTimeMillis = _milliseconds_since_epoch_in_UTC;

// all the above variables are available to the DSL

Example 1. Routing based on Channel

If you wish to route the transactions based on channel say web or mobile.

  def priorities = ['HDFC', 'ICICI', 'PAYU'] 
  // above is the default priority

  if (order.udf1 == 'web') {
    priorities = ['HDFC','PAYU','ICICI']
  }
  else if (order.udf1 == 'mobile' && order.udf2 == 'android')
    priorities = ['ICICI','HDFC','PAYU']
  }
  setGatewayPriority(priorities)

Example 2. Volume based routing

  // def myGateways = ['HDFC','ICICI']
  // Goal: 50% approx split between two gateways

  if(currentTimeMillis % 10 < 5) {
    setGatewayPriority(['HDFC', 'ICICI'])
  }
  else {
    setGatewayPriority(['ICICI', 'HDFC'])  
  }

  // def myGateways = ["HDFC","ICICI", "AXIS"]
  // Goal: 1/2 split between two gateways and use third as backup
  if(currentTimeMillis % 10 < 5) {
    setGatewayPriority(['HDFC', 'ICICI', 'AXIS'])
  }
  else {
    setGatewayPriority(['ICICI', 'HDFC', 'AXIS'])
  }

Example 3. Issuer based routing

  def priorities = [ 'HDFC', 'ICICI' ] 
  // default priorities
  if (payment.cardIssuer == 'ICICI Bank') { 
    // if ICICI Bank card, use ICICI
    priorities = [ 'ICICI', 'HDFC' ]
  }
  else if (order.udf1 == 'mobile' && order.udf2 == 'android')
    // for android transactions, use ICICI
    priorities = [ 'ICICI', 'HDFC' ]
  }
  else { // for everything else use HDFC as primary
    priorities = [ 'HDFC', 'ICICI' ]
  }
  setGatewayPriority(priorities)

Example 4. Card Brand based routing

  def priorities = ['HDFC', 'ICICI', 'PAYU'] 
  // default priorities
  if (payment.cardBrand == 'MAESTRO') { 
    // if Maestro card, use ICICI as primary
    priorities = ['ICICI', 'PAYU', 'HDFC']
  }
  else if (payment.cardBrand == 'AMEX')
    priorities = ['PAYU', 'ICICI', 'HDFC']
  }
  setGatewayPriority(priorities)

Enumerations and Gateway IDs

Gateway Gateway ID
AXIS 1
HDFC 2
CITI 4
AMEX 5
CYBERSOURCE 6
IPG 7
MIGS 8
EBS 11
PAYU 12
CCAVENUE 13
CITRUS 14
CCAVENUE_V2 16
TPSL 17
PAYTM 18
HDFC_EBS_VAS 21
RAZORPAY 23
FSS_ATM_PIN 24
EBS_V3 25
ZAAKPAY 26
BILLDESK 27
MOBIKWIK 31
OLAMONEY 32
MPESA 34
SBIBUDDY 35
FREECHARGE 33
STRIPE 50
HDFC_IVR 201
ZESTMONEY 250
AXISNB 300

List of card brands:

  • VISA
  • MASTERCARD
  • MAESTRO
  • RUPAY
  • AMEX
  • DINERS
  • DISCOVER

List of card types:

  • CREDIT
  • DEBIT

Configure priority

To set this up, please proceed to Merchant Settings and enable the checkbox that says: I'd rather write code to define the priority. In the given text area, enter your DSL logic and then click on Update Gateway details.

Special rules

In addition to the routing logic explained above, we have also provided you with the ability to define specific rules to assign different gateway priorities for a given card BIN or card issuer bank. For instance, if you have negotiated special rates for HDFC cards on HDFC PG, then you can configure this on the dashboard.

Refer Gateway Route Scores for configuring this.

ISIN & Issuer rules

ISIN stands for ISsuer Identification Number which is card BIN (Bank Identification Number). For, a given ISIN and given Gateway, you can setup a priority score. If you wish to setup a rule for a particular card issuer bank, that can be configured too.

Score

The score is expected to be in the range of 0.0 - 2.0 (decimals are allowed). Giving a value of 2.0 will increase the priority of the gateway by 2x. A value of 0.5 will reduce the priority score by 50%. A score of 1.0 will make the rule neutral.