How it works
How Avendo routes each transaction across multiple processors
Last updated: November 2026
Avendo routes each transaction by comparing the payment processors connected to your checkout and sending the payment to the one with the best available rate at that moment.
This page walks through that sequence for developers, platform partners, and store owners who want to know what actually happens between the pay button and the processor. It covers what stays the same for your customers, what changes behind the scenes, and where the results show up.
On this page
What happens when a customer pays through an Avendo-connected checkout?
The customer pays exactly as before, and the transaction is routed in real time to the connected processor offering the best available rate. The processor authorizes the payment and the result returns to your checkout. Later, the transaction appears in Avendo's pricing and processing reports.
The key idea is that routing is per transaction. Two orders placed a minute apart can go to different processors if the best available rate differs. That is what separates smart transaction routing from a standard single-processor merchant account.
The routing sequence, step by step
Checkout submits the payment
The shopper enters card details on your existing checkout page. Avendo works with existing checkout pages, so the form and flow are yours.Avendo receives the transaction
Because your checkout is connected to Avendo, the transaction reaches Avendo’s routing platform rather than going to one hard-wired processor.Connected processors are evaluated
Avendo considers the processors connected to your account. Every one is PCI DSS-compliant, as Avendo works exclusively with compliant processors and gateways.The best available rate wins
The transaction is routed in real time to the processor offering the best available rate for that payment.The processor returns the result
The chosen processor handles authorization, and the approval or decline goes back to your checkout so the customer sees the outcome.The transaction is reported
Avendo records the result in clearer pricing and processing reports, available in the Avendo merchant dashboard.
What stays the same and what changes
| Area | Single processor setup | With Avendo routing |
|---|---|---|
| Customer checkout | Your checkout page | The same checkout page |
| Processor per payment | Always the same one | Chosen per transaction by best available rate |
| Pricing visibility | One processor statement | Clearer pricing and processing reports |
| Security standard | Depends on your processor | PCI DSS-compliant processors and gateways only |
| Direct bill from Avendo | Not applicable | None; Avendo is compensated by processors |
How do Avendo's processing reports help?
Reports
Reading Avendo pricing and processing reports
Processing statements from a single provider are often hard to read, which makes it difficult to tell whether you are paying a fair price. Avendo provides merchants with clearer pricing and processing reports so the cost of processing is easier to follow across the processors your transactions were routed to.
A practical habit is to calculate your effective rate each month: total processing fees divided by total card sales. Comparing that figure over similar periods shows whether routing is working for your card mix. The processing cost page includes a simple worksheet for this. Existing merchants reach their reports by signing in to the Avendo dashboard.
What this page does not claim
Avendo's homepage describes rate-based routing, clearer reports, compatibility with existing checkouts, and PCI DSS-compliant partners. It does not publish a fixed saving, an approval rate lift, a latency figure, or a processor list, so this guide does not state any of those. If one of them matters to your decision, ask Avendo directly before you switch.
Common questions
- How does Avendo route transactions?
- Avendo connects your checkout to multiple payment processors. When a customer pays, the platform compares the connected processors and routes that transaction to the one offering the best available rate in real time. Merchants then see the results in clearer pricing and processing reports, so they can understand what each transaction cost.
- What does real time mean in transaction routing?
- Real time means the routing decision is made for each transaction at the moment it is submitted, not set once in a contract or a monthly configuration. In Avendo’s case, the platform looks at the connected processors for every transaction and sends it to the one offering the best available rate at that moment.
- Which payment processors does Avendo connect to?
- Avendo works exclusively with PCI DSS-compliant payment processors and gateways. It does not publish a full processor list on its homepage. For the processors available to your business type and region, contact Avendo through the contact page on avendo.tech.
- What reports does Avendo provide?
- Avendo provides merchants with clearer pricing and processing reports. The aim is to show what processing actually costs across the processors your transactions were routed to, so pricing is easier to follow than on a single processor statement. Existing merchants reach their reports by signing in to the Avendo merchant dashboard.
- Does smart routing slow down checkout?
- Routing is a decision made while the payment is processed, not an extra screen for your customer. Avendo routes each transaction in real time inside your existing checkout flow. Avendo does not publish latency figures on its homepage, so if checkout speed is critical for your store, ask Avendo about expected timing for your setup.
- Will switching to smart routing disrupt my store?
- Because Avendo works with existing checkout pages, customers keep the same checkout experience, and the main change happens behind the scenes in how transactions reach processors. Plan the switch for a quieter sales period, run a few test transactions, and confirm the go-live steps with Avendo during onboarding.