Manage your transactions

In Payment Strategies you can view the payment rules and strategies for your store or network.

In this section, rules for routing purchase transactions are created and providers that were previously configured in Connections are added.

Default processing

Define default order processing in your store in the Admin.

Default processing is the default strategy within your payment strategy.

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To learn how to configure default processing, go to Default processing.

Specific rules

Processing rules allow order segmentation in your store through payment providers or anti-fraud engine providers.

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To learn more about specific rules, go to Specific rules.

Default processing

Define payment strategies that adapt to your business needs.

Default processing

Default processing is the payment strategy that all transactions that do not meet the conditions of at least one specific rule will follow.

This payment strategy applies to all transactions, except those that meet the conditions of a specific rule.

For details on how to configure default processing, see Configure default processing

Configure default processing

Default processing is the payment strategy that all transactions that do not meet the conditions of at least one specific rule will follow.

Steps to follow

1. Access Payment Strategy in the side menu.
2. Select the edit icon (pencil) corresponding to Default processing.
3. Click the Edit routing button
4. Choose a payment processor from the list of active processors. If the processor you are looking for is not listed, make sure it is activated in the Connections section
5. If you want to establish a cascading strategy, click Select action.
6. Select the Process option
7. Select a second payment processor from the list of active processors for orders rejected by the first processor.
8. Click Save
9. Finally, select Update

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To create a cascading configuration, you must have at least two active payment processors.

Include a fraud provider

Steps to follow

1. Access Payment Strategy in the side menu.
2. Select the edit icon (pencil) corresponding to Default processing.
3. Click the Edit routing button
4. Select the Pre-authorization analysis switch
5. Select an anti-fraud provider from the list of active anti-fraud providers
6. Define the processing route to process orders identified as High risk, Medium risk and/or Low risk, by clicking the Select action actionable for each risk type.
7. Select the Process option
8. Choose a payment processor from the list of active processors.
9. If you want to establish a cascading strategy, click Select action.
10. Select the Process option
11. Select a second payment processor from the list of active processors for orders rejected by the first processor.
12. Repeat steps 6 to 11, for each Risk type.
13. Click Save
14. Finally, select Update

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To create a cascading configuration that includes an anti-fraud engine, you must have an anti-fraud engine and an active payment processor.

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Specific rules

Specific rules

Specific rules allow you to define personalized payment routes with multiple variables.

A specific rule behaves as follows:

• If an order meets at least one of the conditions selected by a rule, then it follows a specific flow designed exclusively for transactions that meet all the established parameters.
• In case the order does not meet any of the established conditions, then the transaction will automatically be directed according to the default processing logic.

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The conditions selected in the strategy are 'AND' conditionals, so the order must meet each of the defined conditions for the strategy to apply.

Available conditions

Create a specific rule

To create a rule:

1. Go to Payment Strategies
2. Click Create specific rule.

4. In Enter name enter a name for the variable and click Go to next step.
5. In Add conditions, click Add condition.
6. Add the conditions:
   1. Bank
   2. Bin
   3. Franchise
   4. Country
   5. Currency
   6. Card type
   7. Installment financing
   8. Amount
   9. Payment source
   10. Payment number
   11. Metadata
7. Click Save.
8. Click Go to next step.
9. In Define the transaction processing order, choose:
   • Decline transaction so that all transactions with that routing are declined.
   • If you choose this option, click Save to create the rejection rule.
   • Create routing to designate a specific routing.
10. In the modal Order how to process the transaction:
    1. Choose a payment processor from the list of active processors.
       1. You can choose anti-fraud engines, payment processors, and alternative payment methods.
       2. If a processor is not listed, go to Connections to add it.
    2. If you want to establish a cascading strategy, select the payment processors and anti-fraud engines.
    3. Select a second payment processor from the list of active processors for orders rejected by the first processor.
11. In Post-authorization fraud analysis, choose an anti-fraud engine if desired.
12. Click Save to create the specific rule.

Configure specific rules

You can configure each specific rule depending on metadata or customer information.

Specific rule with metadata condition

Metadata is data that provides additional contextual information about a transaction, beyond standard details like amount, currency, or payment method.

With the Metadata condition, a strategy allows processing transactions based on specific metadata attributes associated with the transaction.

To add metadata to a specific rule:

1. Choose a specific rule.
2. Click Edit.
3. In Add conditions, click Add condition.
4. Click Metadata.
5. Click Add metadata.
6. Add the metadata:
   1. In Variable choose a name for the variable. It should not contain spaces.
   2. In Format type select a format type.
      • Text for text operators.
      • Number for numeric operators.
   3. In Properties select an operator.
   4. In Enter a value enter the metadata values.
7. Click Save.

Supported metadata

Conditional rules

Configure a specific rule with email addresses or stores condition

Add specific conditions in your rule configuration to define transaction processing flows based on the customer's email address or store identifier (Store ID).

These conditions direct orders through personalized payment flows according to the email address or store associated with the order.

Add conditions to a rule

To add metadata to a specific rule:

1. Choose a specific rule.
2. Click Edit.
3. In Add conditions click Add condition.
4. Select the Email address or Store condition from the list of available conditions.
5. Define the logical operator you want to use:
   • Equal to (=)
   • Different from (≠)
   • In list ([])
   • Not in list ([/])
6. Enter the corresponding values:
   • Manual entry: Write up to 500 values separated by comma.
   • CSV upload: Click Upload a CSV file, select your file and follow the instructions to validate and store the values. You can also download a CSV template by clicking Download template.
7. Click Save to save.

Manage the CSV file

Once you have uploaded the CSV file with the email addresses or stores, perform the following actions:

• Replace the file. Update the file with new values by replacing the uploaded file without losing the previous strategy configuration.
• Delete file: Delete the csv file if you no longer need it. Prevent it from affecting the strategy in the future or delete the condition.