Gateway Decision

Decide gateway

Changed on Sep 29, 2026

Core routing decision API. Given a payment context and a list of eligible gateways, returns the optimal gateway to route to.

The engine applies a sequence of filters (currency, card brand, auth type, EMI, etc.) then scores remaining gateways using success rate history, elimination status, and contract obligations.

Authentication: Requires either JWT Bearer token or API Key.

post/decide-gateway

Request

Base URL
http://localhost:8080
URL
http://localhost:8080/decide-gateway
Auth
- HTTP bearer
- or API key in header x-api-key

Request body

merchantIdstring required

eligibleGatewayListstring[] required

rankingAlgorithm'SR_BASED_ROUTING' | 'PL_BASED_ROUTING' | 'NTW_BASED_ROUTING' | 'NTW_SR_HYBRID_ROUTING' required

eliminationEnabledboolean

enableMultiObjectiveboolean

Per-request override for the multi-objective (cost-aware) post-step. true forces it on, false forces it off; omitted falls back to the merchant's cost_savings_enabled feature flag.

Example request

{
  "merchantId": "test_merchant",
  "paymentInfo": {
    "paymentId": "pay_001",
    "amount": 1000,
    "currency": "USD",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CREDIT",
    "paymentMethod": "CARD",
    "country": "US",
    "customerId": "cust_123",
    "authType": "THREE_DS",
    "cardIsin": "411111",
    "cardType": "CREDIT"
  },
  "eligibleGatewayList": [
    "stripe",
    "paypal",
    "adyen"
  ],
  "rankingAlgorithm": "SR_BASED_ROUTING"
}

Response

Gateway decision result

decided_gatewaystring

fallback_gatewaysstring[]

gateway_priority_mapobject nullable

filter_wise_gatewaysobject nullable

priority_logic_tagstring nullable

routing_approachstring

SR_SELECTION_MULTI_OBJECTIVE indicates the multi-objective post-step promoted a cheaper gateway over the SR head.

gateway_before_evaluationstring nullable

Gateway the SR head selected before the multi-objective / debit-routing post-step replaced it.

priority_logic_outputobject nullable

routing_dimensionstring nullable

routing_dimension_levelstring nullable

is_scheduled_outageboolean

is_dynamic_mga_enabledboolean

gateway_mga_id_mapobject nullable

is_rust_based_deciderboolean

latencyinteger nullable

Example response

{
  "decided_gateway": "stripe",
  "fallback_gateways": [
    "adyen"
  ],
  "gateway_priority_map": {
    "stripe": 0.94,
    "adyen": 0.87
  },
  "routing_approach": "SR_SELECTION_V3_ROUTING",
  "debit_routing_output": {
    "co_badged_card_networks_info": [
      {
        "network": "NYCE",
        "saving_percentage": 1.2
      }
    ],
    "issuer_country": "US",
    "card_type": "Debit"
  },
  "reset_approach": "NO_RESET",
  "multi_objective_info": {
    "outcome": "COST_WON",
    "reason": "Promoted 'adyen' over 'stripe' on expected value — saves 80.00 bps for 3.00pp auth.",
    "srHead": {
      "psp": "adyen",
      "authRate": 0.91,
      "costBps": 100
    },
    "chosen": {
      "psp": "adyen",
      "authRate": 0.91,
      "costBps": 100
    },
    "costSavedBps": 80,
    "qualifiedCount": 3,
    "margin": 0.2,
    "evGapTop2": 0.00182
  }
}

Changes

Sep 29, 202650550489f1fe Revision changes
- warning
  removed the request property /
- info
  added the new optional request property /
Aug 4, 202636e7a0972ee6 Revision changes
- breaking
  removed the enum value CARD of the request property /
- breaking
  removed the enum value CREDIT of the request property /
- breaking
  removed the enum value DEBIT of the request property /
- breaking
  removed the enum value NETBANKING of the request property /
- breaking
  removed the enum value UPI of the request property /
- breaking
  removed the enum value WALLET of the request property /
- breaking
  the response property became nullable for the status
- breaking
  the response property became nullable for the status
- breaking
  the response property became nullable for the status
- breaking
  the response property became nullable for the status
- breaking
  added subschema #2 to the response property oneOf list for the response status
- breaking
  added subschema #2 to the response property oneOf list for the response status
- breaking
  the response's property type changed from object to no type for status
- breaking
  the response's property type changed from number to integer null, and format from no format to int64 for status
- warning
  removed the optional property / from the response with the status
- warning
  removed the optional property / from the response with the status
- warning
  removed the optional property / from the response with the status
- warning
  removed the optional property / from the response with the status
- warning
  removed the optional property / from the response with the status
- warning
  removed the optional property from the response with the status
- warning
  removed the optional property from the response with the status
- warning
  added the new ELIMINATION_RESET enum value to the response property for the response status
- warning
  added the new NO_RESET enum value to the response property for the response status
- warning
  added the new SRV2_ELIMINATION_RESET enum value to the response property for the response status
- warning
  added the new SRV2_RESET enum value to the response property for the response status
- warning
  added the new SRV3_ELIMINATION_RESET enum value to the response property for the response status
- warning
  added the new SRV3_RESET enum value to the response property for the response status
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  added the new optional request property /
- info
  the request property / became nullable
- info
  the request property / became nullable
- info
  the request property / became nullable
- info
  the request property / became nullable
- info
  added the new ATMPIN enum value to the request property /
- info
  added the new CTP enum value to the request property /
- info
  added the new EMANDATE_PAYMENT enum value to the request property /
- info
  added the new EMANDATE_REGISTER enum value to the request property /
- info
  added the new FIDO enum value to the request property /
- info
  added the new MANDATE_REGISTER enum value to the request property /
- info
  added the new MOTO enum value to the request property /
- info
  added the new NETWORK_TOKEN enum value to the request property /
- info
  added the new OBO_OTP enum value to the request property /
- info
  added the new OTP enum value to the request property /
- info
  added the new PARTIAL_CAPTURE enum value to the request property /
- info
  added the new PARTIAL_VOID enum value to the request property /
- info
  added the new THREE_DS_2 enum value to the request property /
- info
  added the new TPV_EMANDATE_PAYMENT enum value to the request property /
- info
  added the new TPV_EMANDATE_REGISTER enum value to the request property /
- info
  added the new TPV_MANDATE_PAYMENT enum value to the request property /
- info
  added the new TPV_MANDATE_REGISTER enum value to the request property /
- info
  added the new TPV_PAYMENT enum value to the request property /
- info
  added the new VAN_PAYMENT enum value to the request property /
- info
  added the new VIES enum value to the request property /
- info
  added the new undefined enum value to the request property /
- info
  the / request property format was generalized from float to double
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  added the optional property to the response with the status
- info
  removed from the response property allOf list for the response status

Operation history (6 revisions)