PaymentSolutions
Smart Routing Engine

Your merchants stay online.
Even when gateways fail.

PaymentSolutions sits between every WooCommerce checkout and your payment gateways. When one account hits its limit or fails, the routing engine automatically redirects to the next — in under 100 ms, with no customer-facing error.

Daily-Limit Failover

Primary gateway hit its daily limit?

Traffic automatically shifts to the next available account — before the customer sees any error.

Store A
143 orders
Store B
98 orders
Store C
57 orders
PS Router
Mode: Daily-Limit Failover
Live
Stripe A
Stripe
At limit
Capacity used97%
312
orders today
95.2%
approval rate
Stripe B
Stripe
Active
Capacity used44%
141
orders today
94.8%
approval rate
PayPal
PayPal
Active
Capacity used21%
68
orders today
89.1%
approval rate
?
Real-world example

Stripe A reaches its $50,000 daily cap at 6 PM. PS Router instantly redirects all new orders to Stripe B, then PayPal — zero downtime, zero failed checkouts.

Active — receiving orders
At daily limit — failing over
Standby — on hold
95%
Fewer failed payments
<100ms
Routing decision
4
Routing algorithms
10×
Gateway pool capacity
How it works

Four steps. Zero friction.

Every order flows through the same path. The intelligence lives in step two.

01

Order intercepted

A WooCommerce checkout fires. The PS plugin intercepts it before any gateway is called — zero latency to the customer.

02

Router scores gateways

The engine evaluates every gateway in your pool against your routing mode: limits, load, success rate. Decision made in under 100 ms.

03

Best gateway selected

The highest-scoring gateway receives the charge request. If it rejects mid-flight, failover kicks in and a backup processes it silently.

04

Payment logged + confirmed

Transaction completes. Which gateway was used, which mode was active, and the outcome are all recorded live on your dashboard.

Routing modes

Pick the logic that fits your volume.

Configure per-merchant. Switch anytime. The engine handles the rest.

Daily-Limit Failover

Never miss a sale when limits are hit

When your primary gateway hits its daily transaction cap, the router instantly reroutes to the next available account — before the customer sees any error.

Example: Stripe A hits $25,000 in 24h → orders silently redirect to Stripe B, then Stripe C if B also fills up.
Window: 6h · 12h · 24h · 48h · 7d
Best for: high-volume merchants protecting against processing caps.
Round Robin

Even distribution across all accounts

Orders cycle through your gateway pool in sequence so no single account carries all the volume. Ideal when all your accounts have similar capacity and trust.

Example: 3 accounts → Order 1 to Stripe A · Order 2 to Stripe B · Order 3 to Stripe C · Order 4 back to Stripe A…
Supports 2–10 gateways
Best for: equal-capacity pools where you want perfectly balanced load.
Least Used

Always pick the lowest-volume account

The router sends each order to whichever gateway has processed the least in the current window. Keeps every account well below risk thresholds and review triggers.

Example: Stripe A: $18k processed · Stripe B: $9k processed → next order routes to Stripe B (lowest load).
Rolling 24h window
Best for: keeping all accounts below daily thresholds to avoid risk reviews.
Success Rate

Route to the highest-converting account

PaymentSolutions continuously scores each gateway by approval rate. Every new payment goes to the account that's converting best right now — automatically.

Example: Stripe A: 89% approval · Stripe B: 97% approval → all orders go to Stripe B until scores shift.
Scored on last 100 transactions
Best for: pools with mixed approval rates — automatically finds the winner.
Merchant protection

95% reduction in payment failures.

Most payment failures are preventable. A gateway over its daily limit, a card declined by one processor but approved by another, a momentary outage — smart routing handles all of it without any intervention from you or your customers.

Protect your merchants
  • Automatic failover when daily limits are hit
  • Sub-100ms routing — invisible to customers
  • Per-merchant mode configuration
  • Real-time gateway health scoring
  • Full routing audit log on every transaction
  • Works with Stripe, PayPal, and more

Ready to never lose a sale again?

Set up smart routing in minutes. Configure your pool, pick a mode, and let the engine do the rest.