Optimize processing fees on debit payments by routing traffic to the lowest-cost debit network.

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🚀 Getting Started with Least Cost Routing

Least Cost Routing (LCR) enables merchants to reduce transaction fees by automatically selecting the most cost-effective debit network for each transaction. vaultera switch’s routing engine evaluates real-time parameters such as:
  • Network fees
  • Interchange rates
  • Ticket size
  • Issuer type
…to determine the cheapest routing option dynamically.

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✅ Pre-requisites for Enabling LCR

Before you enable LCR in vaultera switch, make sure you complete the following steps:

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Step 1: Configure Connectors

Ensure your connected payment processors (e.g., Adyen) support local debit networks.

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Step 2: Enable Debit Card Support

Debit card payment methods must be enabled on both your connector and vaultera switch dashboards.

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Step 3: Enable Local Networks

Activate one or more supported local debit networks (e.g., STAR, Pulse, NYCE, Accel) in the connector and vaultera switch configuration.

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🛠️ Steps to Configure LCR in Smart Router

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Step 1: Complete Pre-requisites

Verify that debit-capable connectors and local network configurations are in place.

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Step 2: Access Smart Router → Click “Manage” under Least Cost Routing

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Step 3: Confirm Pre-requisites in the Pop-Up

A guided modal will verify the connector setup, debit card enablement, and local network configuration. Click Enable to activate LCR.

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Step 4: View and Manage Active Algorithms

Once enabled, Least Cost Routing becomes your active routing algorithm. You can manage it and view previously configured routing strategies via the vaultera switch Dashboard.

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🌍 Supported LCR Configuration

CategorySupported Values
GeographiesUS
ConnectorsAdyen
NetworksSTAR, Pulse, NYCE, Accel
Payment MethodsCards
Flows SupportedPayments (non-3DS), Refunds, Retries

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🔮 Future Scope

vaultera switch is expanding the LCR capabilities. Upcoming features include:

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🧠 Configurable Debit Routing Rule Engine

Define custom logic for routing debit transactions based on:
  • Issuer
  • Amount
  • Geography
  • Other merchant-defined parameters

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🔌 Support for More Connectors & Payment Methods

Expansion beyond Adyen to include other processors and additional methods like wallets.

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📦 BIN Data Source Integration

Enable use of your custom BIN database or third-party BIN providers to improve:
  • Network identification accuracy
  • Routing for non-card flows (e.g., wallets)