How Intelligent Routing Works
kadosei automatically selects the best payment provider for every transaction.
Overview
Every time a customer initiates a payment, kadosei evaluates your configured payment providers and selects the most suitable one for that transaction. This happens automatically, before the checkout session is created, with no action required from you.
The result is a more reliable checkout experience and lower processing costs, without the overhead of managing multiple provider integrations yourself.
When routing applies
Intelligent routing kicks in when a transaction can be processed by more than one of your configured providers. If only one provider supports the requested payment method and currency, kadosei routes to that provider directly.
This means the value of intelligent routing grows as you add more providers to your application. A broader provider set gives kadosei more options to optimise across reliability, cost, and speed.
What kadosei considers
kadosei evaluates each eligible provider against three factors:
Reliability
How consistently a provider is completing transactions successfully. A provider experiencing elevated failure rates is deprioritised until its performance recovers.
Cost
The processing cost for the specific transaction. With surcharging no longer permitted for Australian merchants from October 2026, the cost of processing falls entirely on the merchant, making this factor increasingly significant
Speed
How quickly a provider responds. Slow provider responses extend the time your customer spends waiting at checkout.
No single factor dominates every decision. kadosei weighs all three together based on the characteristics of each transaction.
What you control
Intelligent routing operates within the boundaries you set. kadosei only considers providers that are active on your application and support the requested payment method and currency.
If a provider is unavailable or has been deactivated, it is excluded from routing consideration entirely. Beyond that, kadosei handles the selection as the goal is to remove that decision from your plate, not add configuration to it.
How it improves over time
Routing decisions are informed by transaction data. As payment volume grows, kadosei builds a clearer picture of provider performance across currencies, transaction sizes, and payment methods. Routing decisions become more precise as that data accumulates.
What you see
The provider selected for a transaction is available on the session detail endpoint after the fact. It is not included in the session creation response because routing is an implementation detail, not something your integration needs to act on.
What's next
To control which providers are available for routing, see [Configuration].