CollectConfiguration

Payment Rules

Configure your account and create routing rules

Overview

Payment rules in CrissCross allow you to control how payments are processed. There are two main types of rules:

  1. Account Configuration: Your default settings that determine which payment methods and processors are available
  2. Routing Rules: Custom rules that override defaults to route specific transactions to preferred processors or payment methods

Account Configuration

Account configuration sets up your default payment processing behavior. These are the foundational settings that determine:

  • Which payment methods are enabled (cards, bank transfers, mobile money, etc.)
  • Which processors are active and configured for each payment method
  • Default processors for each payment method in each region
  • Fallback processors to use if the default processor is unavailable

Setting Up Your Account Configuration

During account setup, you’ll work with our Solutions Engineers to configure:

  1. Enable Payment Methods: Select which payment methods you want to offer to your customers based on the markets you’re operating in

  2. Configure Default Processors: For each payment method in each region, set a default processor that will handle transactions. For example, you might choose Flutterwave as your default processor for card payments in Nigeria

  3. Set Up Fallback Processors: Configure backup processors that will be used automatically if your default processor is unavailable or fails. This ensures your payment processing continues smoothly even if one processor has issues

These configurations are managed through your CrissCross dashboard and are set up with support from our team during onboarding.

Routing Rules

Routing rules let you create custom logic that overrides your default account configuration for specific transactions. Use routing rules to optimize for cost, conversion rates, or compliance requirements.

When to Use Routing Rules

Create routing rules when you want to:

  • Optimize Costs: Route high-value transactions to processors with better rates
  • Improve Conversion: Use processors with higher success rates for specific card types or regions
  • Meet Compliance: Route transactions to processors that meet specific regulatory requirements
  • A/B Testing: Test different processors to find the best performing option
  • Risk Management: Apply different security measures (like 3D Secure) based on transaction characteristics

How Routing Rules Work

Routing rules consist of conditions and actions:

Conditions define when the rule applies. You can base conditions on:

  • Transaction amount
  • Currency
  • Payer location (country)
  • Payment method type (card, bank transfer, etc.)
  • Payer status (new or returning customer)
  • Custom variables you define

Actions define what happens when conditions are met:

  • Route to a specific processor
  • Show or hide specific payment methods
  • Adjust 3D Secure requirements
  • Apply other processing preferences

Example Routing Rules

Example 1: Route high-value transactions

  • Condition: Transaction amount > $1000
  • Action: Route to Processor A (which has better rates for large transactions)

Example 2: Optimize by card type

  • Condition: Card type is Visa AND payer location is South Africa
  • Action: Route to Processor B (which has higher success rates for Visa in South Africa)

Example 3: Reduce friction for returning customers

  • Condition: Payer is returning customer AND last transaction was successful
  • Action: Relax 3D Secure requirements

Configuring Rules

You can configure both account settings and routing rules through:

  1. CrissCross Dashboard: Use the intuitive interface to set up and manage your rules
  2. Rules API: Programmatically create, update, and manage rules using our API endpoints

Our Solutions Engineers are available to help you set up rules that align with your business goals and optimize your payment processing.

Best Practices

  • Start Simple: Begin with your account configuration defaults, then add routing rules as needed
  • Test Thoroughly: Test routing rules in sandbox before deploying to production
  • Monitor Performance: Track how your rules affect conversion rates and costs
  • Review Regularly: Periodically review and optimize your rules based on transaction data
  • Document Your Rules: Keep track of why you created each rule to make future updates easier

Next Steps

  • Learn about Payment Methods to understand what payment options you can enable
  • Explore the Rules API for programmatic rule management
  • Contact our Solutions Engineers for help setting up rules tailored to your business needs