The Goal
Smart routing has one job: send each transaction to the acquirer most likely to approve it at the lowest cost. Sounds simple — until you realize the optimal answer changes by the millisecond.
The Signals
The Model
Payomatix uses a contextual bandit that learns from every transaction outcome. Each route is a hypothesis; each settlement is a label. The model retrains continuously without engineer intervention.
The Result
Customers typically see 7–15% higher approval rates within 90 days, plus 3–8% lower blended processing cost.