Overview
Route by BIN/region/failure code and apply SCA only when needed.
Problem
Single‑PSP setups and blanket 3DS increase declines and friction.
Solution
PayStream routes traffic across PSPs based on rules and telemetry; triggers frictionless 3DS2 where eligible and challenges only when required.
How it works
Configure routing rules and issuer A/B tests. Monitor auth rate by BIN/PSP/region in InsightLake and iterate safely with throttles.
Who is this for
Payments Ops
SRE / Platform
Expected outcomes
- Higher approval rates with less friction
- Operational resilience during PSP incidents
Key metrics
Auth rate lift
0 pp
2.5 pp
3DS challenge rate
18 % of tx
7 % of tx
Gallery
Downloads & templates
Case studies
EduSub boosts approvals
BIN‑aware routing improved auth by 3.1pp with fewer challenges.
EdTech SMB NA
Security impact
- BIN prefix, region, risk flags (no PAN) · PII: none
Compliance
- PSD2/SCA
Availability & next steps
Business
Enterprise