Platform · Routing
Maximize authorization rates with intelligent routing.
Route every authorization to the optimal BIN sponsor based on geography, MCC, and live decline signals — failover in under a network round-trip.
api · node
router.decide
80+ signals · 12 BIN sponsors
< 8ms latency
POST /shop/card/create
{ "route":"BIN-US", "auth":true }ROUTING · 99.97%
Deep dive
Routing as a first-class engineering primitive.
Failover
Sub-network-round-trip failover, transparent to cardholders.
If a sponsor goes degraded, traffic shifts to a healthy BIN before the merchant POS sees a decline. PANs stay stable — no re-tokenization across sponsors.
< 1 RTTPAN-stable
auth → router → bin sponsor
BIN-US
99.4%
auth rate
BIN-UK
99.1%
auth rate
BIN-HK
98.7%
auth rate
▸ live failover · last switch 4 min ago · 0 declines surfaced
Rules engine
Per-authorization policies, evaluated in under 8ms.
An 80+ signal rules engine you can pin per program, per MCC, per region. Push new rules without a deploy and observe their authorization impact in real time.
80+ signals< 8ms
rules · evaluated in 7ms
when mcc in (5411,5812) and country = "GB"
route BIN-UK
when auth.failed_attempts > 2
fallback BIN-US
— 80+ signals · sub-8ms
Economics
Optimize for net interchange, not gross volume.
Choose the route that maximizes net economics by program and MCC. Telemetry by route, issuer, and region — exposed via API and dashboard.
Net optimizationReal-time telemetry
net interchange · last 30d
Corporate · US+12 bps
Consumer · EU+8 bps
Travel · APAC+5 bps
Building blocks
More details engineers care about.
Latency
Sub-8ms rule evaluation, per authorization.
< 8ms
Coverage
12 BIN sponsors across 4 continents.
Add new sponsors without rewriting application code.
4 continents
Stability
PAN-stable across sponsor switches.
PAN-stable
Observability
Auth rate by route, issuer, region.
Streamed to your warehouse via webhook or pulled via API.
Streamed
Resilience
Active-active across regions, since day one.
Active-active
Control
Pin programs to BINs, or let Nova auto-balance.
Auto-balance