Encoded's Gateway offers true Orchestration, a real-time payment decision layer.

Why is this useful? A gateway passes transactions on; orchestration decides where each payment should go.

  • One modern API can sit above multiple gateways and acquirers.
  • Routing decisions can use cost, card type, stored token, MCC, geography, risk and provider availability.
  • Open banking and fraud checks can add evidence for stronger authentication and liability-shift conversations.
  • Encoded Insights can support mid-contract acquiring negotiations and least-cost routing.
Traditional gatewayOne merchant relationship usually points at one gateway or acquiring route.
Merchant
Gateway
Encoded orchestrationA decision layer routes every transaction to the best available payment path.
Merchant
Many routes

Payment channels

Web checkout
Contact centre
IVR
Pay by Link
Recurring

Encoded Orchestration Layer

Real-time rules select the gateway, acquirer and security checks that fit the transaction.

Stored card or token
Least-cost acquiring
MCC and risk fit
Fraud signal
Open banking check
Provider status

Payment destinations

Gateway A
Gateway B
Acquirer A
Acquirer B
Open banking
Alt payments

Payment comes in, Encoded applies rules, and the transaction takes the best route.

GDPR – What happens next?

GDPR – What happens next?

GDPR – What happens next? 3 Steps to contact centre compliance. Rob Crutchington at Encoded looks at the impact of GDPR on contact centres and discusses three ways to help them remain compliant using…

read more
Contact Centre Payments – Going Mobile

Contact Centre Payments – Going Mobile

Contact Centre Payments – Going Mobile. Rob Crutchington at Encoded looks at how the mobile market is changing the way customers choose to make payments. Over recent years there has been a huge increase…

read more
Three ways to avoid pesky card chargebacks

Three ways to avoid pesky card chargebacks

Prevention is better than cure: three ways to avoid pesky card chargebacks in contact centres By Rob Crutchington – Director of Encoded Research from payment specialists Verifi has shown that up to 86%…

read more