{"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":36,"y":32,"width":336.77031999999997,"height":68,"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":56,"y":54.3,"width":296.77031999999997,"height":23.400000000000002,"fontSize":18,"fontFamily":1,"text":"Signal | How It Affects Routing","originalText":"Signal | How It Affects Routing","textAlign":"center","verticalAlign":"middle","containerId":"shape-0","lineHeight":1.3,"autoResize":false,"customData":{"revealStep":1}},{"angle":0,"strokeColor":"#628572","backgroundColor":"#edf5ee","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":412.77031999999997,"y":32,"width":390,"height":433.8,"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":432.77031999999997,"y":50,"width":350,"height":397.8,"fontSize":18,"fontFamily":1,"text":"Card brand (Visa/MC) | Which\nnetworks available\nCard country | Local vs cross-border\nfees\nCard type (credit/ | Different\ninterchange rates\ndebit/prepaid)\nTransaction amount | Some acquirers\ncap amounts\nMerchant category | Risk profile per\nMCC\nHistorical auth rate | Prefer\nhigher-performing\nper acquirer | acquirer for this BIN\nAcquirer health | Circuit breaker if\nfailing\nCurrency | Local processing preferred","originalText":"Card brand (Visa/MC) | Which\nnetworks available\nCard country | Local vs cross-border\nfees\nCard type (credit/ | Different\ninterchange rates\ndebit/prepaid)\nTransaction amount | Some acquirers\ncap amounts\nMerchant category | Risk profile per\nMCC\nHistorical auth rate | Prefer\nhigher-performing\nper acquirer | acquirer for this BIN\nAcquirer health | Circuit breaker if\nfailing\nCurrency | Local processing preferred","textAlign":"center","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":36,"y":505.8,"width":638.0838,"height":478,"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":56,"y":523.8,"width":598.0838,"height":442,"fontSize":17,"fontFamily":1,"text":"Payment Routing Engine\n\nProblem: Not all card networks / acquirers are equal.\nVisa via Acquirer A: 95% auth rate, $0.10 per txn\nVisa via Acquirer B: 92% auth rate, $0.08 per txn\n→ Route to A for higher success, B for lower cost?\n\nRouting decisions based on:\n\nCascade / Failover:\n1. Try primary acquirer (best expected auth rate)\n2. If soft decline (insufficient funds, do-not-honor):\n→ Don't retry (issuer decision is final)\n3. If network error / timeout:\n→ Retry with secondary acquirer (different network path)\n4. If hard decline (stolen card, fraud):\n→ Don't retry (flag for review)\n\nThis \"smart routing\" can improve auth rates by 2-5%\nAt $10B annual volume, 2% = $200M more revenue for merchants","originalText":"Payment Routing Engine\n\nProblem: Not all card networks / acquirers are equal.\nVisa via Acquirer A: 95% auth rate, $0.10 per txn\nVisa via Acquirer B: 92% auth rate, $0.08 per txn\n→ Route to A for higher success, B for lower cost?\n\nRouting decisions based on:\n\nCascade / Failover:\n1. Try primary acquirer (best expected auth rate)\n2. If soft decline (insufficient funds, do-not-honor):\n→ Don't retry (issuer decision is final)\n3. If network error / timeout:\n→ Retry with secondary acquirer (different network path)\n4. If hard decline (stolen card, fraud):\n→ Don't retry (flag for review)\n\nThis \"smart routing\" can improve auth rates by 2-5%\nAt $10B annual volume, 2% = $200M more revenue for merchants","textAlign":"left","verticalAlign":"middle","containerId":"shape-4","lineHeight":1.3,"autoResize":false,"customData":{"revealStep":3}}],"appState":{"viewBackgroundColor":"#fbfbf8","gridSize":null},"files":{}}