{"type":"excalidraw","version":2,"source":"https://AwesomeSystemDesign.dev","elements":[{"angle":0,"strokeColor":"#6577aa","backgroundColor":"#eef1fc","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-1"],"frameId":null,"roundness":null,"boundElements":[{"type":"text","id":"shape-1"}],"updated":0,"link":null,"locked":false,"id":"shape-0","type":"rectangle","seed":41,"x":16,"y":16,"width":288,"height":93.2,"customData":{"revealStep":1}},{"angle":0,"strokeColor":"#394557","backgroundColor":"transparent","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-1"],"frameId":null,"roundness":null,"boundElements":null,"updated":0,"link":null,"locked":false,"id":"shape-1","type":"text","seed":114,"x":36,"y":34,"width":248,"height":57.2,"fontSize":22,"fontFamily":1,"text":"Signal | How It\nAffects Routing","originalText":"Signal | How It\nAffects Routing","textAlign":"left","verticalAlign":"middle","containerId":"shape-0","lineHeight":1.3,"autoResize":false,"customData":{"revealStep":1}},{"angle":0,"strokeColor":"#6577aa","backgroundColor":"#eef1fc","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-2"],"frameId":null,"roundness":null,"boundElements":[{"type":"text","id":"shape-3"}],"updated":0,"link":null,"locked":false,"id":"shape-2","type":"rectangle","seed":187,"x":16,"y":153.2,"width":288,"height":722.4,"customData":{"revealStep":2}},{"angle":0,"strokeColor":"#394557","backgroundColor":"transparent","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-2"],"frameId":null,"roundness":null,"boundElements":null,"updated":0,"link":null,"locked":false,"id":"shape-3","type":"text","seed":260,"x":36,"y":171.2,"width":248,"height":686.4,"fontSize":22,"fontFamily":1,"text":"Card brand (Visa/MC)\n| Which networks\navailable\nCard country | Local\nvs cross-border fees\nCard type (credit/ |\nDifferent interchange\nrates\ndebit/prepaid)\nTransaction amount |\nSome acquirers cap\namounts\nMerchant category |\nRisk profile per MCC\nHistorical auth rate\n| Prefer\nhigher-performing\nper acquirer |\nacquirer for this BIN\nAcquirer health |\nCircuit breaker if\nfailing\nCurrency | Local\nprocessing preferred","originalText":"Card brand (Visa/MC)\n| Which networks\navailable\nCard country | Local\nvs cross-border fees\nCard type (credit/ |\nDifferent interchange\nrates\ndebit/prepaid)\nTransaction amount |\nSome acquirers cap\namounts\nMerchant category |\nRisk profile per MCC\nHistorical auth rate\n| Prefer\nhigher-performing\nper acquirer |\nacquirer for this BIN\nAcquirer health |\nCircuit breaker if\nfailing\nCurrency | Local\nprocessing preferred","textAlign":"left","verticalAlign":"middle","containerId":"shape-2","lineHeight":1.3,"autoResize":false,"customData":{"revealStep":2}},{"angle":0,"strokeColor":"#a68a53","backgroundColor":"#fff7e6","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-3"],"frameId":null,"roundness":null,"boundElements":[{"type":"text","id":"shape-5"}],"updated":0,"link":null,"locked":false,"id":"shape-4","type":"rectangle","seed":333,"x":16,"y":919.5999999999999,"width":288,"height":1351.6000000000001,"customData":{"revealStep":3}},{"angle":0,"strokeColor":"#394557","backgroundColor":"transparent","fillStyle":"solid","strokeWidth":1.5,"strokeStyle":"solid","roughness":0.7,"opacity":100,"version":1,"versionNonce":1,"isDeleted":false,"groupIds":["step-3"],"frameId":null,"roundness":null,"boundElements":null,"updated":0,"link":null,"locked":false,"id":"shape-5","type":"text","seed":406,"x":36,"y":937.5999999999999,"width":248,"height":1315.6000000000001,"fontSize":22,"fontFamily":1,"text":"Payment Routing\nEngine\n\nProblem: Not all card\nnetworks / acquirers\nare equal.\nVisa via Acquirer A:\n95% auth rate,\n$0.10 per txn\nVisa via Acquirer B:\n92% auth rate,\n$0.08 per txn\n→ Route to A for\nhigher success, B for\nlower cost?\n\nRouting decisions\nbased on:\n\nCascade / Failover:\n1. Try primary\nacquirer (best\nexpected auth rate)\n2. If soft decline\n(insufficient funds,\ndo-not-honor):\n→ Don't retry (issuer\ndecision is final)\n3. If network error /\ntimeout:\n→ Retry with\nsecondary acquirer\n(different network\npath)\n4. If hard decline\n(stolen card, fraud):\n→ Don't retry (flag\nfor review)\n\nThis \"smart routing\"\ncan improve auth\nrates by 2-5%\nAt $10B annual\nvolume, 2% =\n$200M more revenue\nfor merchants","originalText":"Payment Routing\nEngine\n\nProblem: Not all card\nnetworks / acquirers\nare equal.\nVisa via Acquirer A:\n95% auth rate,\n$0.10 per txn\nVisa via Acquirer B:\n92% auth rate,\n$0.08 per txn\n→ Route to A for\nhigher success, B for\nlower cost?\n\nRouting decisions\nbased on:\n\nCascade / Failover:\n1. Try primary\nacquirer (best\nexpected auth rate)\n2. If soft decline\n(insufficient funds,\ndo-not-honor):\n→ Don't retry (issuer\ndecision is final)\n3. If network error /\ntimeout:\n→ Retry with\nsecondary acquirer\n(different network\npath)\n4. If hard decline\n(stolen card, fraud):\n→ Don't retry (flag\nfor review)\n\nThis \"smart routing\"\ncan improve auth\nrates by 2-5%\nAt $10B annual\nvolume, 2% =\n$200M more revenue\nfor merchants","textAlign":"left","verticalAlign":"middle","containerId":"shape-4","lineHeight":1.3,"autoResize":false,"customData":{"revealStep":3}}],"appState":{"viewBackgroundColor":"#fbfbf8","gridSize":null},"files":{}}