Cascading Transactions

The Tietoevry E-commerce Payment Gateway (EGW) provides a Cascading mechanism that ensures maximum transaction reliability by automatically retrying failed payments through alternate processors or payment methods. While traditionally considered a failover tool, Cascading is also a merchant-facing business feature that improves conversion rates, optimizes cost strategies, and enhances the payment experience.

Cascading vs. Smart Routing

Configuration Options

EGW supports both platform-level cascading logic and merchant-level preferences through the Merchant Portal and Admin Portal.

Setting
Description

Retry Priority Matrix

Define fallback processors for each method

Merchant Preferences

Merchants can set acquirer order or fallback methods (subject to bank policy)

Retry Limits

Limit the number of attempts per transaction

Error Type Filters

Define which error types trigger retries

Cross-Method Permission

Enable fallback across methods (e.g., Card → A2A)

Queuing Logic

Optionally delay and retry later for certain failures

Visibility & Reporting

  • Bank (EGW Owner) can monitor all retry paths, failure reasons, and routing decisions

  • Merchants have access to retry logs, outcomes, and payment method fallback stats

  • Auditors can access a complete event trail with digital signatures and timestamps

Business Value for Merchants

  • Maximizes successful transactions through automatic recovery

  • Improves customer experience by reducing checkout friction

  • Reduces operational cost through smart acquirer prioritization

  • Supports business logic for retry strategies by channel, geography, or value

  • Enhances transparency into payment success and fallback behavior

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