Table of Contents
- Default Processor
- Routing Once Active
- Transaction Routing Reset
- Video Tutorial
Transaction Routing (previously known as Load Balancing) is a feature only available to Merchants with more than one processing service of the same “type” (cc or ach) boarded on their gateway account. Transaction Routing will “balance” transactions between two or more processors using percentages and amounts.
A good analogy is a two-pan balance or “scale” (like the lawyer’s symbol). Put equal weight on each side and it will be level. Take some weight from one pan and put it on the other and the scale will tip. However, the total will still equal 100% regardless of which pan has more weight. Example: Processor A handles 65% of the load, and Processor B handles 35% of the load.
- The Transaction Routing Interface is located under 'Options' >> 'Settings' >> ‘Transaction Routing'.
- The user must have Admin permission to see it, and permissions to all active processors.
- The percentage does not display partial amounts. Ex: 0.5%. What this means is if $1.00 is processed on an account with LB settings of $1000.00, the interface will display 0% since we can't display 0.1%.
- The Transaction Routing will work on a test account, but not a live account when the account is in Test Mode.
- Processor ID
- Set when the MID is boarded. It cannot be changed. May be used via the API to route transactions to a specific Processor.
- Processor Name
- It can be updated under the "Processor Pencil" on an Affiliate/Partner account.
- Monthly Amount
- This is the amount the merchant needs to enter that controls how much will be routed to that MID.
- Default Max Ticket
- Displays the Max Ticket that was entered under the "Processor Pencil." It is the maximum amount a single transaction can be run on that MID.
- Overall Limit
- Displays the Account Limit that was entered under the "Processor Pencil." It is the maximum amount of Visa/Mastercard transactions that can be run on that MID over the course of a month.
- TR Amount
- Lists the Amount of transactions run on that MID so far this month.
The Transaction Routing page can be used to set the default processor without enabling Transaction Routing.
- Use the radio button to choose a processor, and DO NOT check "Check This Box to Enable Transaction Routing For Credit Cards."
- If a sale is ran and a processor is not chosen or specified, then the sale will run to the default processor.
Click the box next to "Check This Box to Enable Transaction Routing For Credit Cards" to enable Transaction Routing.
- For each MID, a Monthly Amount should be entered.
- If a Monthly Amount is not set, the MID will be "skipped" during Transaction Routing.
- If the maximum monthly amount is reached on all MIDs, all sales will route to the default MID. So usually the default MID should be the MID with the highest Overall Limit.
The specific calculation is technically based on "how full" each processor is.
- The Transaction Routing amount is determined by the volume on the MID that month / the limit set in Transaction Routing.
- The next transaction will route to the processor with the lowest Transaction Routing Amount
- If one processor is 25%, and another processor is 15% full, the transactions will route to the processor that is 15% full until it gets up to 25% before routing to the other MID again.
To set Transaction Routing based on a percentage:
- Take the limit set for each MID and divide it by the total of all MIDS combined. The MID will receive that percentage of the total sales.
- For example, if MID A is set for $100,000, and MID B is set for $50,000, 66% percentage of sales will go to MID A, and 33% will go to MID B.
- Keep in mind that the calculation is not based on the number of transactions, but transaction volume. One sale that is out of the ordinary can throw off the balance temporarily.
- Transaction Routing automatically resets on the first of the month at Midnight UTC
- Transaction Routing can also be manually reset:
- Log in to the merchant’s gateway account >> Click on ‘Options’ >> Click on ‘Settings’ >> Click on ‘Transaction Routing’ >> Click on the link that says, ‘Reset TR Amounts.’
Transaction Routing Video Tutorial Link: https://vimeo.com/200899724