Every transaction is scored across all available payment rails in real time — approval rate, processing cost, settlement speed — and routed optimally before the processor ever sees it. Fallbacks fire silently. The customer sees nothing.
Before each charge, the router evaluates every approved rail against three weighted factors and selects the highest-scoring option. For subscription billing on GoCardless versus Stripe, the cost difference alone is material across any meaningful volume.
Rail performance data is tracked continuously. Approval rates, failure rates, and settlement times feed back into scoring on a 7-day rolling window. The router adapts as processor performance changes.
Primary global rail. Card acceptance across 195 countries. Default fallback for most transaction types. Apple Pay and Google Pay pass-through via Stripe.
ACH direct debit and US card processing. Lower cost than Stripe for domestic US transactions. Strong fallback for card-testing fraud rejection.
250+ payment methods globally. UnionPay, Alipay, WeChat Pay, and Apple Pay all route through Adyen where Stripe is not preferred.
Access to 400M+ PayPal and Venmo accounts. Google Pay pass-through via Braintree. Marketplace multi-party payouts.
ACH, BACS, and SEPA direct debit at roughly 50bps versus 290bps for card rails. Automatically boosted for recurring subscription billing.
Built for enterprise authorization rate optimization. Boosted in routing for high-value transactions where approval rate improvement justifies the cost.
BTC, ETH, and USDC acceptance. Zero chargebacks by design. For businesses with customers who prefer non-card settlement.
Pass-through layer routes Apple Pay tokens through the optimal underlying rail. 49% of US mobile wallet users. Tokenized, 3DS-native, no additional processor fee.
Google Pay pass-through with gateway-aware routing. Supported on Stripe, Braintree, and Adyen. Billions of Android and Chrome users.
$23.4T processed in 2025. Largest card network by volume globally — 36% of all global card transactions. 10B+ cards in 185 countries.
India's national instant payment system. 20B+ monthly transactions. Near-zero fees. Real-time settlement. Razorpay and Cashfree access.
1.4B users. 54% of China's mobile payment market. 544K TPS peak on Singles Day. Routes through Adyen, 2C2P, or Stripe.
1.2B users. 42% of China's mobile market. Integrated within WeChat's super-app ecosystem. Routes through licensed intermediaries.
Brazil's central bank instant payment system. Projected 50% of Brazilian e-commerce by 2027. Stripe-native. Returns QR code for customer display.
90.9% of Kenya's mobile money market. 51M+ users across Kenya, Tanzania, South Africa, Mozambique, Ghana. Safaricom Daraja STK Push API.
All bps figures are approximate
All bps figures are approximate published rates. Actual rates depend on negotiated processor agreements. Processor fees pass through at cost and are not marked up by ZenoPay.
The router pre-ranks all approved rails before every transaction. If the primary rail rejects or times out, the next-ranked rail fires immediately — in the same request cycle. The customer never sees a failure screen. They never know a fallback occurred.
For subscription renewals, dunning failures also cascade across rails before the dunning sequence escalates. A payment that Stripe declines on day 3 may succeed via GoCardless ACH on the same attempt.
Router evaluates every configured rail against the transaction context — amount, type, recurring flag, customer history.
Highest-scoring rail receives the charge request. Audit log entry written with reasoning and score breakdown.
On hard decline or timeout, next-ranked rail fires automatically. No customer-facing error. Full event logged.
Success or failure written to rail performance tracking. Feeds into next transaction's approval rate calculation.
Multi-rail routing is one of six integrated systems. Rail selection data feeds directly into subscription renewal logic and churn scoring.
The routing cost difference between rails is real revenue. Reach out for early access.