Every payment, sent to the bank
most likely to approve it.
Lunixi scores every acquirer on approval odds, cost, latency and live health — picks the winner in under 5 ms, and cascades to a backup the instant a bank declines. It learns from every transaction, so routing gets smarter on its own.
Chose GARANTI — it scored higher than AKBANK (on-us match, healthy, lower expected cost).
Eight signals, one decision — explained every time
Routing isn’t a black box. Every choice is scored from live signals and returns a plain-language reason your team and your auditors can read.
Learned success pattern
A self-learning model learns which bank approves which card — and keeps adapting after every authorization.
Estimated approval
Predicted authorization likelihood for this exact card, amount, currency and merchant segment.
Acquirer health
Live success-rate and latency per provider, from synthetic probes and real traffic.
Your own performance
Routing weighs your historical approval with each bank — not just the global average.
Transaction cost
Real-time commission and FX per route, so the cheapest successful path wins.
Response speed
Decisions compute in under 5 ms; slow acquirers are penalised in the score.
Risk & outage signals
Risk scores and real-time anomaly/outage detection steer traffic away from trouble.
On-us preference
When the card and acquirer share a bank, on-us routing lifts approval automatically.
Pick a strategy, or let it run itself
Switch profiles per payment method in one click — or hand the wheel to Autonomous AI and let the model optimise continuously.
Autonomous AI
Blends every learned signal and decides for you — self-learning, hands-off.
Approval First
Prefers the acquirer with the highest approval likelihood.
Cost First
Routes to the lowest transaction cost, without sacrificing success.
Balanced
Approval, cost and health weighted in equal balance.
Speed First
Routes to the fastest-responding acquirer.
Custom Weights
Tune model, approval, cost, latency and health weights by hand.
Never lose a sale to a single bank
A decline isn’t the end. Lunixi instantly retries the next-best acquirer in the chain — same intent, no double charge.
- Automatic retry on soft declines & timeouts
- Exactly one charge — guaranteed
- On-us routing prefers the card’s own bank first
- Per-merchant retry policy & attempt caps
Test it before it touches a single transaction
Author rules, dry-run any scenario, and trial new models in shadow mode against live traffic — with an emergency switch for when seconds matter.
If-this-then-that rules
Override the model with conditional logic — scoped by merchant, channel, country or currency, with TTLs and approvals.
What-if simulator
Enter a BIN, amount and currency and see exactly how the current policy and rules would route it — fully side-effect-free.
dry-run · no chargeShadow mode & panic button
Trial a new model in parallel with zero impact on real traffic. And when a bank misbehaves, lock it out instantly — logged to the audit trail.
panic readyA war room for your acquirers
Synthetic probes and live traffic track every provider’s success rate and latency. Degraded banks are de-prioritised and recovered automatically.
One integration · every major Turkish bank & PSP
See how much approval you’re leaving on the table.
Bring a week of declined traffic and we’ll show you, route by route, what intelligent routing would recover.