No rate card lock-in
One processor's pricing is not always the best for every transaction. Routing compares on each sale.
How Avendo works
How Avendo routes each payment to the best rate
Avendo connects your checkout to multiple payment processors and sends each transaction to the one offering the best available rate.
That decision happens automatically and in real time, for every sale. Your customers see the same checkout page they always have. All processors and gateways Avendo works with are PCI DSS-compliant, and merchants get clearer pricing and processing reports.
Last updated November 2026. Published by Avendo.
Your existing checkoutCustomer pays as usual
Avendo routingCompares connected processors in real time
- Processor APCI DSS-compliant
- Processor BBest available rate
- Processor CPCI DSS-compliant
What is real-time payment routing?
Real-time payment routing means choosing which processor handles a transaction at the moment it happens, instead of sending every sale to one processor chosen at signup. With Avendo, that choice is based on which connected processor offers the best available rate for that transaction.
How a sale moves through Avendo, step by step
Customer checks out
They pay on your existing checkout page. Nothing changes for them.
Avendo receives the transaction
Your checkout is connected to Avendo, which is connected to multiple processors.
Rates are compared in real time
Avendo identifies the connected processor offering the best available rate.
The sale is routed and reported
The chosen PCI DSS-compliant processor handles it, and it appears in your processing reports.
Single processor vs multi-processor routing
| Question | Avendo routing | Single processor |
|---|---|---|
| Who handles each sale? | The connected processor offering the best available rate | The same processor every time |
| When is the rate decided? | Per transaction, in real time | At signup, until you renegotiate |
| Checkout changes needed? | Works with existing checkout pages | Depends on the processor |
| Security standard | Exclusively PCI DSS-compliant processors and gateways | Depends on the processor |
| Who bills the merchant? | Avendo does not bill merchants directly | The processor |
Why routing matters for a small business
Small changes add up
Clearly Payments calculates that cutting the effective rate by 0.20% on $1,000,000 of yearly card volume saves $2,000 per year.
Clearer reports
Avendo provides clearer pricing and processing reports, so you can see what you are paying.
Is payment routing secure?
Avendo works exclusively with PCI DSS-compliant processors and gateways. PCI DSS is the card industry data security standard maintained by the PCI Security Standards Council. Learn more about pricing in our guide to processing rates or see how routing ranks in the best credit card processing for small business online guide.
Questions about how routing works
What is payment routing?
Payment routing means sending each transaction to one of several connected processors instead of always using the same one. Avendo does this automatically and in real time, choosing the processor offering the best available rate for that specific transaction. Merchants keep their existing checkout page while the routing decision happens behind it.
How does Avendo choose a processor for each transaction?
Avendo connects your checkout to multiple payment processors and, for each transaction, automatically routes it to the processor offering the best available rate in real time. The decision is made per transaction rather than once at signup, so you are not tied to a single rate card. All connected processors and gateways are PCI DSS-compliant.
Do I need to replace my checkout to use Avendo?
No. Avendo works with existing checkout pages, so customers keep seeing the checkout they already know. Avendo connects that checkout to multiple payment processors and routes each transaction behind the scenes to the processor offering the best available rate. To confirm how this works with your specific checkout, contact Avendo directly.
Is Avendo secure for card payments?
Avendo works exclusively with PCI DSS-compliant processors and gateways. PCI DSS is the Payment Card Industry Data Security Standard, the security baseline the card brands require from anyone who stores, processes, or transmits cardholder data. Your own business still has PCI responsibilities, so ask Avendo which apply to your checkout setup.
How does Avendo make money?
Avendo says it does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors it works with. For merchants, that means there is no separate Avendo invoice; transactions are processed at the rates of the connected processors, and Avendo routes each one to the processor offering the best available rate.
What reports does Avendo provide?
Avendo provides merchants with clearer pricing and processing reports. The goal is to make it easier to understand what you pay to accept cards than it is with a typical single-processor statement. For a look at the reports for your own setup, contact Avendo through its website.
Sources cited on this page
See what routing could do for your checkout
Avendo works with your existing checkout and routes every sale to the processor offering the best available rate. It does not bill merchants directly.