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Smart routing is a behind-the-scenes mechanism that ensures your payment request always finds a working route, even if the initial connection fails.

Let’s say a customer initiates a payment using their bank, but the API connection with your main Open Banking provider isn’t available or doesn’t support that specific bank. Instead of throwing an error or asking the customer to try another method, smart routing quietly takes over. It redirects the payment through another provider in your network that does support that bank.

The customer notices nothing unusual - just a smooth, uninterrupted payment experience.

Why this matters for merchants

Most Open Banking providers only support the banks they’ve integrated with directly. That means limited coverage. Especially when you're operating across multiple European markets or expanding globally.

Without smart routing, you risk:

• Failed transactions from unsupported banks
• Limited market reach
• Higher cart abandonment rates
• Frustrated customers who don’t understand why their bank “doesn’t work”

Smart routing eliminates those problems automatically.

100% coverage. No exceptions. No one else offers it.

At Alternative Payments, we’ve built a unique solution that delivers true full bank coverage - not just in theory, but in practice.

Through our exclusive smart routing technology, we ensure:

• Every major bank is supported
• Payments reroute instantly, even if one connection fails
• No more gaps in your coverage map
• A consistent, reliable checkout experience for every customer
  
  

And here’s what sets us apart: We’re the only Open Banking provider offering this level of redundancy and reach. Others talk about bank coverage - but when a connection fails, the payment fails. With us, it doesn’t.

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A better experience for everyone

For your customers, smart routing is invisible, and that’s the point. They choose their bank, authenticate as usual, and the payment goes through. No errors, no friction.

For you as a merchant, it means:

• Fewer failed payments
• Fewer support tickets
• Higher conversion rates
• Peace of mind that your payment flow works

Built for conversion. Built for trust. Built for you.

Open Banking is evolving fast, but reliability still separates the leaders from the rest. Smart routing is our not-so-secret weapon that keeps your checkout flowing and your revenue protected.

Whether you’re selling in one market or across borders, full bank coverage is no longer optional. And with DPMax, it’s possible.