Routing
Every transaction takes the best path.
AI-powered routing evaluates issuer, network, acquirer, and cost in real time and sends each authorization down the path most likely to be approved. Local acquiring in every major market, network tokens, and intelligent retries lift approval rates without touching your code.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 0.8 s
- Average authorization time
- Local
- Acquiring in every major market
- Network
- Tokens for higher approvals
- Auto
- Retry on soft declines
What Smart Routing gives you
Approval-rate optimization
Models trained on billions of authorizations pick the acquirer and message format each issuer prefers.
Local acquiring
Domestic processing in the US, EU, UK, LatAm, and APAC avoids cross-border declines and fees.
Network tokenization
Visa and Mastercard tokens with automatic lifecycle updates. Fewer declines, less PCI scope.
Cost-aware routing
Debit routing and least-cost selection where regulation allows, with transparency on every fee.
Smart retries
Soft declines retried with adjusted parameters, often within the same checkout session.
Failover
If an acquirer degrades, traffic shifts automatically. Checkout never goes down.
Start using Smart Routing today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Authorize
Send one API call. Routing happens behind it, with no acquirer-specific code on your side.
- 02
Learn
Every outcome feeds the model, per issuer BIN, per country, per card type.
- 03
Report
See approval rates by segment and what routing decisions contributed in your dashboard.
Authorization rate is the biggest lever you are not pulling
A one-point increase in approval rate is worth more than most conversion-rate experiments, and it requires no design changes. Yet most merchants accept whatever rate their single acquirer delivers. HL Hunt routes across multiple acquirers and networks, tokenizes cards at the network level, and adapts message formats to issuer preferences, all behind a single API.
Routing is also your resilience story. Acquirers have outages. With HL Hunt, an outage at one path is a routing event, not a checkout outage.
What changes
HL Hunt vs a typical processor for Smart Routing
| HL Hunt | Typical processor | |
|---|---|---|
| Smart Routing | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Smart Routing is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Smart Routing is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Smart Routing today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Smart Routing FAQ
Do I need to integrate multiple acquirers?
No. You integrate HL Hunt once. Multi-acquirer routing is handled on our side.
Does routing cost extra?
No. Routing, network tokens, and retries are included in standard processing rates.
Can I set routing rules myself?
Yes. Rules by country, currency, card type, or amount can override or constrain the model.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.