Approve more payments. Keep more revenue.

Smart payment routing sends each card payment to the payment processor (PSP) and merchant account (MID) most likely to approve it, using rules you set, and retries a declined payment on a backup. In Funnelish you connect two or more card MIDs, on any PSP, pick a default and add rules by declined transaction, volume split, currency, customer location or region, order amount, card brand, product type or product tag. You find payment routing under Settings.

Yes. Each charge follows your rules, so a customer's main order, one-click upsell and later renewals can run on different processors or merchant accounts. The customer only sees one checkout.

Managed subscriptions keep renewing. Move the default to another connected MID and rebills run there from the next billing date. Subscriptions held inside a gateway's own billing system can't move this way.

Payment orchestration is the wider category: one layer that connects several gateways, fraud tools and payment methods. Smart payment routing is the part that decides where each charge goes. Funnelish builds it into the checkout, so there is no separate platform to integrate.

Cascading, also called payment failover, passes a declined payment to the next gateway or merchant account (MID) in line, so one processor's soft decline doesn't cost you the sale. In Funnelish this is the Transaction declined rule. The shopper types the card once and sees one attempt.

Card payments route on any MID, and you need at least two card MIDs connected. Checkout.com and Razorpay connections can't join a routing setup yet. If that is where your MID sits, or it is one we have not connected at all, say so on your onboarding call and we connect it, through a PSP you already run or by building it for you, fast. High-risk MIDs connect the same way, often through Authorize.net, which works with a wide range of acquirers.

No. Routing covers card payments only. PayPal, Klarna, iDEAL and other methods stay on the same checkout as usual. They just aren't routed between gateways.

Apple Pay and Google Pay run through Stripe. If your routing setup doesn't lead with Stripe, Funnelish flags it, so you choose between routing and wallets for each funnel.

"Do not honor" is a generic decline from the card issuer that gives no reason. It often hits genuine buyers, especially on cross-border payments. With a Transaction declined rule, the payment is retried on your backup gateway, where a different acquiring bank may approve it.

No. The backup gateway only runs after the first one declines, so the shopper sees one card form and one attempt, and pays once.

Hard declines: insufficient funds, expired or invalid cards, and cards reported lost or stolen. They decline on every gateway, so the shopper needs another card or payment method.

You can, but two Stripe accounts usually decline the same cards. Put your backup MID with a different acquirer, through any PSP.

It keeps new orders coming in. Your backup is already connected and approved, so card traffic can move to it straight away. Routing doesn't release funds a processor is already holding.

It works alongside Stripe rather than replacing it. Keep Stripe as your default and add a backup MID on any PSP, so one account is never the only way your customers can pay. With routing or managed subscriptions, the card vault and your subscriptions live in Funnelish, not in Stripe, so they stay yours. Orders still sync to Shopify.

Yes, for managed subscriptions, which route on every rebill. Subscriptions held inside a gateway's own billing system aren't routed. You can also keep subscription products on a separate MID from one-time orders.

Each gateway is a merchant account underwritten in your name, and Funnelish routes by clear rules: declines, volume share, country, currency, card brand, amount and product. Check each provider's terms for anything specific to your account.

No. Orders from every gateway land in the same Funnelish orders list and sync to Shopify like any other order. Analytics shows approvals and failures per gateway. Each gateway still pays out to your bank separately.

Smart payment routing is available on the Advanced plan and costs up to 0.3% per routed transaction, on top of your gateway's fees. The fee exists because the card is stored in a secure vault that works across gateways, and we pay for that vault on every routed payment.