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Smart Routing is Monxa’s intelligent payment recovery mechanism that ensures your transactions achieve the highest possible success rate. When the primary processor encounters downtime, technical issues, or increased decline rates, Monxa automatically reroutes the payment to a backup processor in real time—keeping your business uninterrupted.

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How It Works

  • Automatic Fallbacks – If a payment attempt fails with the first processor, Monxa instantly retries with another available processor.
  • Performance-Based Selection – The system continuously monitors processor performance. When performance drops, new transactions are redirected to the best-performing provider.
  • Transaction Integrity – Smart Routing only applies to new transactions. Any transaction already created will continue with the originally assigned processor.

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Setup ⚙️

Smart Routing is automatically enabled for:
  • Dynamic QRIS
  • Dynamic Closed Virtual Accounts
This ensures your payments are always routed for maximum success, without any manual configuration.

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Benefits 🚀

  • Improved Reliability – Payments are routed to the most stable processor, reducing declines.
  • Increased Revenue – More successful transactions translate to higher captured sales.
  • Operational Efficiency – Eliminates manual troubleshooting by intelligently selecting the best provider.