Decide Gateway

July 28, 2026 ยท View on GitHub

Use case

Runs the core gateway decision flow for a payment. The same endpoint supports auth-rate routing, priority-list routing, debit/network routing, and network+SR hybrid routing.

Authentication

Protected. Send either Authorization: Bearer <jwt_token> or x-api-key: <api_key>. In sandbox, also send x-feature: decision-engine.

For local development, start with:

export BASE_URL=http://localhost:8080
export AUTH_HEADER="Authorization: Bearer <jwt_token>"
# Sandbox only:
# export BASE_URL=https://sandbox.hyperswitch.io
# export FEATURE_HEADER="x-feature: decision-engine"

Request

  • Method and path: POST /decide-gateway
  • Parameters: none.
  • Body: JSON body with merchantId, paymentInfo, eligibleGatewayList, and rankingAlgorithm. rankingAlgorithm must be one of SR_BASED_ROUTING, PL_BASED_ROUTING, NTW_BASED_ROUTING, or NTW_SR_HYBRID_ROUTING.

Example

SR based routing

curl --location "$BASE_URL/decide-gateway" \
  --header "$AUTH_HEADER" \
  --header "Content-Type: application/json" \
  --data '{
  "merchantId": "merchant_demo",
  "eligibleGatewayList": ["stripe", "adyen", "checkout"],
  "rankingAlgorithm": "SR_BASED_ROUTING",
  "eliminationEnabled": true,
  "paymentInfo": {
    "paymentId": "pay_sr_001",
    "amount": 1000,
    "currency": "USD",
    "country": "US",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CARD",
    "paymentMethod": "CREDIT",
    "authType": "THREE_DS",
    "cardIsin": "424242"
  }
}'

Priority-list routing

curl --location "$BASE_URL/decide-gateway" \
  --header "$AUTH_HEADER" \
  --header "Content-Type: application/json" \
  --data '{
  "merchantId": "merchant_demo",
  "eligibleGatewayList": ["stripe", "adyen", "checkout"],
  "rankingAlgorithm": "PL_BASED_ROUTING",
  "eliminationEnabled": true,
  "paymentInfo": {
    "paymentId": "pay_pl_001",
    "amount": 1000,
    "currency": "USD",
    "country": "US",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CARD",
    "paymentMethod": "CREDIT",
    "authType": "THREE_DS",
    "cardIsin": "424242"
  }
}'

Debit/network routing

curl --location "$BASE_URL/decide-gateway" \
  --header "$AUTH_HEADER" \
  --header "Content-Type: application/json" \
  --data '{
  "merchantId": "merchant_demo",
  "eligibleGatewayList": ["stripe", "adyen"],
  "rankingAlgorithm": "NTW_BASED_ROUTING",
  "paymentInfo": {
    "paymentId": "pay_debit_001",
    "amount": 1000,
    "currency": "USD",
    "country": "US",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CARD",
    "paymentMethod": "DEBIT",
    "authType": "THREE_DS",
    "metadata": "{\"merchant_category_code\":\"merchant_category_code_0001\",\"acquirer_country\":\"US\",\"co_badged_card_data\":{\"card_type\":\"debit\",\"issuer_country\":\"US\",\"is_regulated\":false,\"regulated_name\":null,\"card_networks\":[\"VISA\",\"NYCE\",\"PULSE\",\"STAR\"]}}"
  }
}'

Multi-objective routing

curl --location "$BASE_URL/decide-gateway" \
  --header "$AUTH_HEADER" \
  --header "Content-Type: application/json" \
  --data '{
  "merchantId": "merchant_demo",
  "eligibleGatewayList": ["stripe", "adyen", "checkout"],
  "rankingAlgorithm": "SR_BASED_ROUTING",
  "eliminationEnabled": true,
  "enableMultiObjective": true,
  "paymentInfo": {
    "paymentId": "pay_mo_001",
    "amount": 1000,
    "currency": "USD",
    "country": "US",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CARD",
    "paymentMethod": "CREDIT",
    "authType": "THREE_DS",
    "cardIsin": "424242"
  }
}'

Network + SR hybrid routing

curl --location "$BASE_URL/decide-gateway" \
  --header "$AUTH_HEADER" \
  --header "Content-Type: application/json" \
  --data '{
  "merchantId": "merchant_demo",
  "eligibleGatewayList": ["stripe", "adyen"],
  "rankingAlgorithm": "NTW_SR_HYBRID_ROUTING",
  "paymentInfo": {
    "paymentId": "pay_hybrid_001",
    "amount": 1000,
    "currency": "USD",
    "country": "US",
    "paymentType": "ORDER_PAYMENT",
    "paymentMethodType": "CARD",
    "paymentMethod": "DEBIT",
    "authType": "THREE_DS",
    "metadata": "{\"merchant_category_code\":\"merchant_category_code_0001\",\"acquirer_country\":\"US\",\"co_badged_card_data\":{\"card_type\":\"debit\",\"issuer_country\":\"US\",\"is_regulated\":false,\"regulated_name\":null,\"card_networks\":[\"VISA\",\"NYCE\",\"PULSE\",\"STAR\"]}}"
  }
}'

Response

{
  "decided_gateway": "stripe",
  "gateway_priority_map": {
    "stripe": 0.94,
    "adyen": 0.91
  },
  "routing_approach": "SR_SELECTION_V3_ROUTING",
  "gateway_before_evaluation": "stripe",
  "debit_routing_output": {
    "co_badged_card_networks_info": [
      {
        "network": "NYCE",
        "saving_percentage": 1.2
      }
    ],
    "issuer_country": "US",
    "is_regulated": false,
    "card_type": "debit"
  },
  "is_rust_based_decider": true
}

Notes

  • Use backend enum strings exactly; camelCase values such as NtwBasedRouting are invalid.
  • Debit routing requires the merchant debit-routing flag to be enabled and debit metadata encoded as a JSON string in paymentInfo.metadata.
  • Multi-objective routing is not a rankingAlgorithm value: it is a cost-aware post-step on SR-based scoring, toggled per request with enableMultiObjective or per merchant with the multi_objective_routing_enabled feature flag. When it runs, the response carries a multi_objective_info block, and routing_approach becomes SR_SELECTION_MULTI_OBJECTIVE when a cheaper gateway wins on expected value.
  • A successful call emits analytics/audit events asynchronously.