How to Manage Multiple Payment Gateways Effectively

Despite economic slowdown, Indian e-commerce companies recorded huge sales this festive season. In the first week of festive season sales, e-commerce companies saw a jump of 30% in sales year-on-year.

While this is good news, a caveat here is that high numbers of sales over a short period of time can sometimes lead to system failure or outage. It’s worse, if there is an outage with your payment gateway due to high frequency of payment processing.

That’s why it’s important to have a contingency plan for scenarios when your payment gateway suffers from an outage or downtime.

Having multiple payment gateways is the right way to go. It not only ensures your customers don’t face payment failures, but it also saves you from embarrassment and helps you earn more revenue.

In this article, we are going to break down different aspects of running multiple payment gateways and help you manage them effectively. Strap on!

Challenges of single payment gateway

  • Payment failures: There are higher chances of the rate of payment failures going up if you work with only one payment gateway
  • Loss of revenue: Once a customer experiences payment failure, there is very little chance that he or she will retry the payment. In such scenarios, your business will lose revenue.
  • High dependency on one payment gateway: If the outage or downtime continues for a few hours, or worse, for a few days, you have no other option but to stop accepting orders online. Your business is totally dependent on one payment gateway.

Thus, it is in your best interest to consider looking at other payment gateways as well and integrate more than one payment gateway into your e-commerce platform. This will ensure you give your customers the best payment experience along with a handful of benefits for your business as well.

Factors to consider when choosing multiple payment gateways

While choosing to integrate more than one payment gateway with your website, you should go through a precision-like analytical process. You don’t want three payment gateways with almost identical features and benefits. Choose variety. Here are a few factors to consider when choosing multiple payment gateways:

Functions and features

Very often payment gateways offer services that might make more sense to a particular industry. Look out for such payment gateways while you are in the market to integrate multiple payment gateways.

You will find payment gateways that provide features such as payment links, subscription payments, large payment collections, etc, which might be suitable for your business.


Analyse the fee structure of different payment gateways that you are in touch with. Also, factor in different Merchant Discount Rate (MDR) that various payment gateways charge. MDR is the fee that payment gateways charge you on every payment you accept via debit or credit cards from your customers.

Payment Success Rate

You should be extra vigilant while checking out the success rate of payments between different payment gateways. After comparing the success rate, you can consider going into a bit of detail and see which payment gateway is better at processing large volumes of payments.

Recommended Read: Six Benefits of Using Paytm Payment Gateway for Your Business

Challenges of multiple gateways

While it may sound like integrating more than one payment gateway will solve your payment problems, there is a caveat: managing multiple payment gateways can get complicated.

Here are a few problems you might face:

  • Operational challenges
  • Need for additional resources, and
  • Integration issues
  • Additional cost to run them all

Interesting Read: Transaction-Based Routing and its Impact on Your Business

If you want to bypass these issues, you need to get a robust routing solution that can automatically distribute payments between different gateways. You can simplify working with different payment gateways and reduce the cost as well as the complexity of transactions.

Paytm Super Router is one such new-age solution that can help you manage multiple payment gateways.

How Paytm Router can help manage multiple payment gateways

What is Paytm Super Router?

Paytm Super Router is a SaaS tool that helps businesses enhance their user experience and reduce transaction costs through routing.

It lets merchants integrate multiple payment gateways and acts as a single point of control for transactions, refunds, and settlements.

With Paytm Super Router, you can automate which type of transaction should be handled by which payment gateway. You can improve payment success rates by dividing the traffic between the payment gateways.

Paytm Super Router is also adept with dynamic transaction routing algorithms as well as static transaction routing to automate decisions and optimise payments.

Based on the payment options, Paytm Super Router can decide which payment gateway should be given the priority to process the payment. Not just that, it can automatically delegate the second priority payment gateway to process the payment in case the priority 1 gateway is down.

How Paytm Super Router directs transactions successfully

To ensure you can manage all the payment gateways effortlessly and get the best results out of them, Paytm Super Router uses three types of routing systems.

Intelligent routing

This type of routing is specifically designed for your customers who are shopping from another country.

When a customer from a different country tries to pay for a product on your website, there are good chances that their payment through debit or credit card will not go through.

Recommended Read: Accept International Payments Hassle-Free with Paytm Payment Gateway

Paytm Super Router considers this factor – that the payment is being tried from overseas – and optimises the payment gateway that is best adept at dealing with transactions from non-Indian banks.

It will intelligently keep trying by switching to the next best payment gateway until the payment goes through. Intelligent routing can thus help significantly increase the success of international transactions.

Cost-based routing

If saving expense is one of the reasons why you chose to integrate multiple payment gateways, Paytm Super Router can help you achieve that goal.

Cost-based routing will help you minimise your payment processing charges for certain payment options. Suppose a payment gateway charges more for credit card payments compared to the other payment gateway. Paytm Super Router will prioritise the payment gateway that charges less money for that payment.

With cost-based routing, you can save a considerable amount of money every year.

Transaction based routing

This routing style is best suited when you want to achieve a high success rate. You should set this routing system specifically during the period when more shopping is expected.

For example, during festive seasons, more people tend to buy online, which might increase the load of payment gateways. In such a situation, Paytm Super Router will divert the payment to the payment gateway that’s experiencing a high success rate.

Paytm Router scans payment gateways six times in a minute to check their success rate and payment load. Accordingly, it re-routes traffic to the one performing the best.


Paytm Super Router is the answer to how to optimise for successful payments and in the process not spend excessive amounts of money.

It can help you improve success rates and prepare you for the worst days like an outage. Additionally, Paytm Router simplifies this complicated process of managing multiple payment gateways without you having to make any extra effort.

Get Paytm Super Router Today!

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