APEXX Atomic

Platform Overview ATOMIC is not just a software solution; it is the last integration a merchant will ever need. It simplifies the payment process by providing a unified approach to handling transactions, ensuring that businesses can focus on growth rather than backend complexities. ATOMIC supports localization and optimises payment processes to achieve higher approval ratios at minimised costs. This is made possible through innovative features such as Smart Routing, Cascading, BIN Lookup, and more. Key Features and Benefits 1. APEXX Intelligent Routing Engine (AIRE): AIRE allows transactions to be dynamically routed to the optimal payment gateway or acquirer based on predefined criteria such as card type, BIN data, and transaction location. This ensures enhanced success rates and reduced transaction fees. The flexibility of static, rule-based, and smart split routing caters to diverse merchant needs, significantly improving soft decline recovery by 15-35%. 2. Cascading and Decline Management: ATOMIC’s Decline Cascading feature is a critical tool for recovering revenue from soft-declined transactions without impacting the cardholder. This process involves automatically retrying declined transactions with alternate MID/acquirer combinations to secure approval, thus enhancing transaction productivity and customer experience. 3. Cost Routing: The platform intelligently routes card payments to the least expensive processing option available, factoring in domestic processing capabilities and acquirer fees. By coordinating with merchants and acquirers to establish the most cost-effective processing routes, ATOMIC has demonstrated significant cost savings across various sectors. 4. Consolidated Reporting and Payment Analytics: The platform provides comprehensive analytics and business intelligence capabilities, enabling merchants to access standardised data reporting and perform benchmark comparisons. Consolidated reporting simplifies reconciliation.