Comparison
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For card-not-present businesses with steady volume, transaction-level routing beats a single processor because price competition continues on every charge instead of ending at signing. Here is how the three approaches compare.
Routing is the stronger choice for online merchants on a supported checkout: Avendo keeps several eligible processors competing per transaction, charges merchants nothing and reduces single-provider dependence. A single processor still fits businesses that need in-person payments today or run on Shopify, Wix, Square or GoDaddy, which Avendo does not support yet.
| Factor | Avendo transaction routing | Periodic rate review | Single processor |
|---|---|---|---|
| Pricing sources | Multiple eligible processors | Several compared, one chosen | One |
| When competition happens | On every transaction | At each review, then stops | At signing only |
| Effort to re-price | None, automatic per charge | New review and often a migration | Renegotiate or switch |
| Merchant fee from the routing layer | $0 (10¢ billed to processors) | Not applicable | Not applicable |
| Processors connected at once | Several | One | One |
| Applications to file | One, reviewed by eligible processors | One per provider evaluated | One |
| Per-transaction pricing visibility | Yes, in one dashboard | Depends on provider | Depends on provider |
| In-person payments today | Not yet | Depends on provider | Depends on provider |
One pricing source and one relationship. Pricing is negotiated occasionally and then becomes static again. It is simple to run, and it is still the practical choice where in-person payments are required. The tradeoff is leverage: re-pricing means renegotiating or migrating.
Compare options every year or two, pick one provider, and competition stops until the next review. It improves on doing nothing, but each review can mean a new application and a checkout migration, so many teams postpone it.
Multiple eligible pricing sources compete transaction by transaction, and competition continues. One application, no merchant fee from Avendo, and no obligation to switch before evaluating. Today it covers e-commerce on custom carts.
Talk to the Avendo team about your checkout, volume and current rate. Avendo never bills merchants, and there is no obligation to switch.
