Smart Routing
AI That Picks the Perfect Provider. Every. Single. Time
50+ signals analyzed in under 10ms. Higher approvals. Lower costs. Zero manual configuration
How Smart Routing Works
Step 1Signal Collection< 1ms
📍Country:Saudi Arabia
💳Card:Visa •••• 4242 (BIN 431940)
🏦Issuer:Al Rajhi Bank
💰Amount:750 SAR
📱Device:iPhone 15, Safari
🕐Time:14:32 UTC (peak)
👤Customer:Returning, 12 orders
📊Risk Score:8 (very low)
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Step 2AI Analysis< 5ms
HyperPay ✓97.2% · 145ms2.5%
Moyasar96.8% · 160ms2.3%
Stripe91.4% · 180ms2.9%
PayTabs94.1% · 200ms2.7%
Tap89.7% · 170ms2.6%
Decision: HyperPay ✓ — Highest approval for SA + Visa + Al Rajhi BIN history
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Step 3Execution< 200ms
✅ Payment successful — HyperPay · 142ms
Auth code: 847291
If failed → auto-retry via Moyasar (2nd best, 96.8% predicted)
50+ Signals Analyzed
Transaction Signals
▸Amount
▸Currency
▸Payment method
▸Card BIN
▸Card brand
▸Issuing bank
▸Country
▸Time of day
▸Day of week
▸3D Secure status
▸Recurring vs one-time
▸Merchant category
Customer Signals
▸New vs Returning
▸Purchase history
▸Average order value
▸Chargeback history
▸Device fingerprint
▸IP geolocation
▸Browser / app
▸Session duration
▸Cart abandonment risk
▸Fraud risk score
▸Customer segment
▸Lifetime value
Provider Signals
▸Real-time uptime
▸Current latency
▸Success rate (24h)
▸Success rate (BIN)
▸Success rate (issuer)
▸Queue depth
▸Fee structure
▸Settlement speed
▸Currency support
▸Feature support
▸Regional strength
▸Historical performance
Before vs After SeferPay Smart Routing
The More You Process, The Smarter SeferPay Gets
1K tx
Learning patterns
Learning patterns
10K tx
Optimizing routes
Optimizing routes
100K tx
Predicting failures
Predicting failures
1M tx
Full autonomy
Full autonomy