Switching & Routing
Switching & Routing
An intelligent transaction switching and routing engine that connects acquirers, issuers, and schemes across ATM, POS, eCommerce, and mobile channels. Delivers least-cost routing, real-time failover, and sub-100ms transaction processing — with full ISO 8583 and ISO 20022 support.
Architecture Overview
Intelligent Switching & Routing Architecture
Click to expand. The diagram shows input channels, the intelligent switch core with routing logic, and output connections to card schemes and networks.
Platform Capabilities
What the Platform Delivers
Key Features
Built for APAC Requirements
Least-Cost Routing
Dynamically route each transaction to the lowest-cost available network — reducing interchange and scheme fees without impacting authorisation rates or customer experience.
Sub-100ms Processing
Active-active architecture with in-memory processing delivers sub-100ms end-to-end transaction latency — meeting the performance requirements of real-time payment networks.
Intelligent Failover
Automatic failover to secondary routes on network failure — with configurable retry logic, fallback routing, and real-time alerting to operations teams.
Unified Channel Support
A single switch handles ATM, POS, eCommerce, and mobile transactions — simplifying operations, reducing infrastructure costs, and providing a unified view of all transaction flows.
Typical Use Cases
Who Uses This Platform
- Banks building or modernising payment switching infrastructure
- National switches connecting domestic bank networks
- Processors managing multi-channel transaction routing
- Banks seeking to reduce scheme fees through least-cost routing
- Financial institutions migrating from legacy switching platforms
Get Started
Ready to Implement?
Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.
Discuss Switching Infrastructure