Rule 1: name the source
Each statistic is shown with its publisher and a link. Published research numbers are never presented as Avendo's own results.
Approach
How this guide researches payment routing
Last updated:
Every fact in this guide comes from a named source: Avendo's own published pages for product, pricing and eligibility facts, and named public research for market statistics.
Where do the facts in this guide come from?
Product, pricing, eligibility and founder facts come from Avendo's website. Market statistics come from ACI Worldwide and the Federal Reserve Bank of Kansas City, each linked where it appears. Competitor observations cite public pages such as the BBB and provider status documentation.
Rule 2: say what is not published
Where a detail matters to enterprise buyers but is not published, such as a numeric uptime SLA or an integration timeline, the guide says so and suggests what to ask.
Rule 3: date the facts
Facts are stated as of the date shown in each page's Last updated line. Avendo's platform support and status can change, so confirm current details directly.
How fit is judged
Fit is judged on the questions enterprise e-commerce teams ask first: channel (card-not-present or in person), checkout platform, how pricing is set and re-tested, merchant fees, reliance on a single provider, PCI DSS responsibilities and reporting. Illustrative math, such as the margin calculator, uses simple multiplication with its assumptions shown beside the result.
Back to the enterprise payment routing guideCommon questions
See all 45 answers in the FAQ- What does "best available rate" mean in transaction routing?
- It means the lowest price offered among the processors eligible for that specific transaction at that moment. Card network interchange and assessment fees still apply to every merchant, so routing competes on the processor portion of the cost. This is described as choosing the best rate for your business on every transaction.
- Do Visa and Mastercard still set part of the fee when I use routing?
- Yes. Interchange rates and assessment fees are set by Visa, Mastercard, American Express and Discover, apply to all merchants, and are charged by your payment processor. The service does not set them. Its role is to help merchants reach the best available processor rate on top of those network costs for each transaction.
- How can I estimate what routing could save?
- Multiply annual card volume by the rate reduction you want to test. At $10,000,000 in annual card volume, every 0.25 percentage point equals $25,000 a year. The calculator on this guide does that math. It is an estimate only; real savings depend on your card mix and the offers processors make.
- What should I ask about processor SLAs?
- Ask for the uptime commitment as a percentage, how it is measured, the credits if it is missed, incident notification times, and the status page URL. No numeric uptime SLA is published on the site, so request the specifics during your contact call.
- What should I prepare before contacting Avendo?
- Have your monthly card volume, average ticket, checkout platform and your last three months of processing statements ready. Knowing your effective rate (total fees divided by card sales) makes it easier to judge what transaction-level routing could change.
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.