Multi-Processor Payment Routing & Fraud Prevention: Strengthen Security
Blog post from Basis Theory
Multi-processor payment routing allows merchants to direct transactions among several payment service providers based on factors such as approval likelihood, processing costs, regional payment preferences, security capabilities, and the ability to retry soft declines. While this approach can improve flexibility and reduce dependence on a single provider, it also creates challenges around managing stored cardholder information, which is vulnerable to fraud, data breaches, and compliance burdens under PCI-DSS when retained within a merchant’s systems. The discussion highlights that merchants can add fraud screening, transaction monitoring, address verification, and card-updater services through multiple providers, but need access to payment credentials to do so. It presents programmable third-party payment vaults that replace card data with tokens as an alternative to local storage, potentially limiting a merchant’s PCI-DSS exposure while supporting more sophisticated routing and security decisions.
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