Routing preference

The merchantPreferredRouting field allows you to specify your preferred routing model for debit card transactions, including PINless debit and eftpos Australia. This field is central to merchant-directed routing, enabling you to optimize transaction costs and routing outcomes.

Merchant-directed routing

When submitting a transaction with merchant-directed routing, consider the following guidelines:

• Send merchantPreferredRouting with CREDIT or PINLESS on each transaction request.
• We route the transaction according to your preference.
• If you omit merchantPreferredRouting, we route based on card eligibility.
• If the requested route is not supported for the card, the API returns an error.

Acquirer-managed routing

When submitting a transaction with acquirer-managed routing, consider the following guidelines:

• Send accountNumber and omit merchantPreferredRouting.
• We determine the optimal routing based on card eligibility.
• If the card is eligible for PINless debit, we route the transaction as PINless debit.
• If you provide a routing preference that is not available for the card, we reassign the transaction to an eligible routing option.
• Because routing can change, include all required fields for both credit and debit processing in the request.