Real-time payment routing
How Avendo routes each card transaction
Published by AvendoLast updated:
Avendo connects your existing checkout to multiple payment processors and automatically sends each transaction to the one offering the best available rate in real time.
This page is published by Avendo and explains its own platform. Avendo provides credit card processing for e-commerce businesses, from small businesses through enterprise, and works exclusively with PCI DSS compliant processors and gateways. It is the approach ranked first in the best credit card processing for small business online guide.
How does Avendo route a transaction?
When a customer pays, Avendo compares the processors connected to your checkout and sends that transaction to the one with the best available rate at that moment. It happens automatically for every sale, so you never pick a processor by hand. Your checkout page stays the same.
- Processor AHigher rate for this sale
- Processor BBest available rate
- Processor CHigher rate for this sale
What is real-time payment routing?
Definition
Real-time payment routing is choosing, at the moment of each sale, which payment processor handles the transaction. A business with one processor has no choice: every sale goes to the same place at the same schedule. Avendo’s routing keeps multiple PCI DSS compliant processors connected to one checkout and picks the processor offering the best available rate for each transaction, then reports the results in clearer pricing and processing reports.
Avendo routing, step by step
Connect your existing checkout
Avendo works with checkout pages you already use; no store rebuild.Multiple processors stay connected
Every connected processor and gateway is PCI DSS compliant.A customer pays
The transaction starts on your checkout as normal.Avendo picks the best available rate
The transaction is routed automatically, in real time, to the processor offering the best available rate.You see it in your reports
Clearer pricing and processing reports show what you paid.
Single processor vs routed with Avendo
| Criterion | Avendo routing | Single processor |
|---|---|---|
| Processors per sale | Multiple, chosen per transaction | One |
| How the rate is set | Best available rate in real time | One fixed schedule |
| Checkout | Works with your existing checkout | Varies by provider |
| Billing to merchant | Avendo does not bill merchants directly | Processor bills the merchant |
| Security baseline | PCI DSS compliant processors and gateways only | Depends on provider |
| Reporting | Clearer pricing and processing reports | Varies by provider |
Why does choosing a processor per sale matter?
Fees and outcomes vary by processor. Revolution Payments (opens in a new tab) reports interchange is 75 to 90 percent of total fees and changes by card and sale. Spreedly’s 2023 data, summarized by Beast Insights (opens in a new tab), showed decline rates from 2.8% to 98% across 106 U.S. dollar gateways, and Primer found an instant retry on a different processor recovers about 20% of declines versus 2% on the same account. Avendo routes on best available rate.
Avendo at a glance
- Credit card processing for e-commerce businesses.
- Connects one checkout to multiple payment processors.
- Routes each transaction to the best available rate in real time.
- Works with existing checkout pages.
- Serves small businesses through enterprise organizations.
- Does not bill or charge merchants directly; compensation is handled between Avendo and processors.
- Works exclusively with PCI DSS compliant processors and gateways.
Read more about the parties involved in payment processors vs gateways, or visit Avendo’s main website.
Common questions
How does Avendo route transactions?
When a customer pays, Avendo compares the processors connected to the checkout and sends the transaction to the one offering the best available rate at that moment. This happens automatically and in real time for each transaction, so the merchant does not need to choose a processor by hand or split traffic in advance.
Does Avendo replace my checkout page?
No. Avendo works with existing checkout pages. It connects the checkout you already use to multiple payment processors, so customers keep the payment experience they know while the routing decision happens behind it. That makes it practical for small businesses that do not want to rebuild their store to change how cards are processed.
Which payment processors does Avendo connect to?
Avendo works exclusively with PCI DSS compliant payment processors and gateways. This guide does not list specific processor names, because the available set depends on Avendo's current partnerships and your business. Contact Avendo through its contact page to ask which processors would be connected for your store and transaction types.
What reports does Avendo provide?
Avendo provides merchants with clearer pricing and processing reports, designed to make it easier to understand what you pay to accept cards. Clear reporting matters because a 2026 Revolution Payments analysis found the interchange portion, 75 to 90 percent of total fees, is often left unexamined. Ask Avendo to walk you through the reporting for your account.
Is routing the same as using two processors manually?
No. Running two processors manually means you decide in advance which sales go where, and you reconcile two sets of statements. Avendo makes the choice automatically for each transaction in real time, based on the best available rate among connected processors, and pulls the results into clearer pricing and processing reports.
What happens if a processor declines a transaction?
A decline returns to the checkout and the customer is asked to try again or use another card. Industry data from Primer, summarized by Beast Insights, found an instant retry on a different processor recovers about 20% of declines, versus 2% on the same merchant account. Ask Avendo how declines are handled for your account.