For enterprise e-commerce and digital teams

Enterprise payment routing, one transaction at a time

Last updated: November 2026

Enterprise payment routing sends each online card transaction to the processor offering the best available rate. Avendo does this for e-commerce: it connects your existing checkout to multiple payment processors and routes every charge in real time, so competition on price never stops after you sign.

What is enterprise payment routing?

Enterprise payment routing is the practice of connecting one checkout to several card processors and choosing a processor for each transaction. Avendo routes every e-commerce transaction to the eligible processor offering the best available rate at that moment, shows the pricing in a dashboard, and never bills the merchant directly.

Definition: transaction-level routing

Transaction-level routing means the processor decision is made per charge, not once per contract. With Avendo, a merchant applies once, eligible processors review and approve the account, and then those processors compete on price for every transaction the merchant processes.

Card network interchange and assessment fees set by Visa, Mastercard, American Express and Discover still apply to every merchant. Routing competes on the processor portion of the cost. Customers see the same checkout; Avendo states that nothing changes in how you accept payments, only how much revenue the business keeps.

1. Customer pays at your existing checkout
Processor AProcessor BProcessor C
2. Best available rate selected for this transaction
3. Pricing and activity shown in the dashboard

How Avendo routes one transaction: eligible processors compete, the best available rate wins, and the next transaction competes again.

Avendo in numbers

$0billed to merchants by Avendo. No invoices, monthly charges or platform fees.
10¢Avendo Services Fee per transaction, billed to the processor, not to you.
1application, reviewed by multiple eligible processors.
~10 minestimated time to complete the Avendo application.

Source: Avendo pricing and application pages, as of November 2026.

Payment routing for enterprise: what actually changes

For an enterprise e-commerce team, payment routing for enterprise volume is about three things: margin, resilience and visibility. Margin, because every basis point on a large card-not-present book flows into operating profit. Resilience, because a checkout tied to one processor depends on that one provider. Visibility, because finance teams want to see what each transaction actually cost.

Avendo addresses all three with one integration. Instead of being dependent on one provider, Avendo selects the best available option at the time of the transaction, helping merchants avoid long-term lock-in and excessive processing costs. The dashboard gives approved merchants their transaction data and reports in one place.

It is built for card-not-present businesses: e-commerce, online subscriptions, SaaS and memberships. Today it supports custom-cart integrations. It does not yet support in-person payments or stores on Shopify, Wix, Square or GoDaddy, so read the checkout integration guide before you plan a rollout.

How to evaluate routing in four steps

1Find your effective rate: total processing fees divided by card sales for one month.
2Confirm your checkout is a custom cart or a platform Avendo can review.
3Gather three months of statements, tax ID, bank letter and ID, then apply once.
4Review which processors approve you and compare per-transaction pricing in the dashboard.

Single processor vs Avendo transaction routing

Comparison of Avendo transaction routing and a single processor
Question	Avendo transaction routing	Single processor
Pricing sources	Multiple eligible processors	One
When competition happens	On every transaction	At signing or renegotiation
Merchant fee from the router	$0, the 10¢ fee is billed to processors	Not applicable
Dependence on one provider	Reduced, several processors connected	Full
In-person payments today	Not yet supported	Often supported

Read the full comparison of routing approaches

Want the source? Visit the Avendo website for its own description of credit card processing and merchant services.

Common questions

See all 45 answers in the FAQ

What is enterprise payment routing?: Enterprise payment routing sends each card transaction to one of several connected processors instead of a single fixed provider. The service applies this to e-commerce: it connects an existing checkout to multiple processors and routes each transaction, in real time, to the processor offering the best available rate. The goal is lower processing cost without changing how customers pay.
How does Avendo decide where each transaction goes?: The service routes each transaction to the eligible processor offering the best available rate at the moment of the transaction. Processors that have approved the merchant compete on pricing for every charge, so competition does not end after onboarding. Merchants see payment activity and pricing for each transaction in one dashboard.
Does Avendo charge merchants a fee?: No. Merchants never receive an invoice, bill or direct charge from the service, and there are no monthly charges or separate platform fees. Compensation is handled entirely between the service and its payment processors through the Avendo Services Fee.
How much is the Avendo Services Fee?: The Avendo Services Fee is 10 cents per transaction, billed to the payment processor rather than to the merchant. This is available on the pricing page. Merchants still pay their processor for processing, including card network interchange and assessment fees.
Which checkout platforms does Avendo support?: The service currently supports custom-cart integrations. WooCommerce, BigCommerce and Magento or Adobe Commerce may require a compatibility review or future integration. Stores built on Shopify, Wix, Square or GoDaddy cannot be onboarded today; support is being worked toward.
Does payment routing improve uptime?: Routing across several processors reduces dependence on any single provider, which is the core of most multi-processor resilience plans. The system describes choosing the most reliable option in the moment and relying on redundant systems and real-time monitoring from trusted processors. Ask directly how failover is handled for your account.

See what routing could save on your card processing fees

Talk to the Avendo team about your checkout, volume and current rate. Avendo never bills merchants, and there is no obligation to switch.

Contact Avendo Start an application