Smart Routing
Every payment on its best rail.
Our intelligent routing technology automatically chooses the best payment route for every transaction — optimising speed, cost and reliability without any additional effort from you.
Four criteria, applied to every payment
These are the published criteria our engine weighs — the same framework on every transaction, not a judgement call per client.
The best all-in cost
We compare pricing across every rail your payment could take, so you’re not overpaying for the route.
The fastest arrival
Speed where it matters: the route that tends to settle soonest for your currencies and destination.
The best chance of success
Favouring the rail most likely to land first time, to reduce failed, delayed or returned payments.
The right rail per corridor
SWIFT, SEPA, Faster Payments, CHAPS, BACS or a local rail, matched to where the money is going.
One payment, weighed across every available rail — routed the way most likely to arrive.
A routing policy you can read
We don’t publish a rate card — pricing depends on your sector, volumes and corridors, and we’d rather quote you accurately than advertise a number that doesn’t survive underwriting. What we publish instead is the thing that actually determines what you pay and how fast money moves: how we choose a rail.
The four criteria above are the whole policy. Every payment is weighed on cost, speed, likelihood of success and corridor fit — and the engine picks the rail that scores best for that payment, at that moment. You can hold us to it, the same way you can check our licences on the FCA register.
How the engine works
- Evaluation is automated and per-transaction — every payment is assessed in real time, not batched into a default route.
- The engine scores each available rail for that payment against the four published criteria.
- Rails in scope include SWIFT, SEPA, Faster Payments, CHAPS, BACS and local rails, depending on currency and destination.
- The same discipline runs on both product lines: card transactions are routed toward the acquirer most likely to approve, payments toward the rail most likely to arrive.
One discipline, both product lines
Accepting payments
On the acquiring side, routing means sending each card transaction where it is most likely to be approved — which is how the network sustains a 97% average approval rate across all verticals and regions.
Moving money
On the payments side, routing means choosing the rail most likely to arrive — across 170+ countries, 40+ currencies and 50+ payment routes on the group payments network.
An introducer or broker can put you in front of one provider — but an introduction is where its role ends. Routing requires an engine sitting across multiple rails and institutions, evaluating every transaction. That is what the group operates.
VIP360 is the platform, not the counterparty: regulated services are provided by the licensed institution you are matched with, under its own licence and terms.
See how we’d route your payments
Tell us your sectors, currencies and corridors, and we’ll show you which rails your payments would take — and why.