Implementation guide
Implementing smart transaction routing: a guide for developers and platform partners
Last updated: November 2026
You add Avendo's smart transaction routing by applying with Avendo, connecting your existing checkout during onboarding, testing, and then going live.
Avendo works with existing checkout pages, so implementation is about connection, not a rebuild. This guide explains what to prepare, the order of work, the engineering points to plan for, and how responsibilities split between your team, Avendo, and the processors. The exact connection method for your platform is confirmed with Avendo during onboarding.
On this page
How do I add smart transaction routing to an existing checkout?
Start an application with Avendo, share how your checkout is built, and let Avendo confirm the connection method. Once your checkout is connected to Avendo, each transaction is routed in real time to the connected processor with the best available rate. Your customers keep the same checkout.
Avendo does not publish developer documentation or API details on its homepage, so this guide does not invent endpoints or SDK names. What follows is the planning and rollout work that applies to almost any checkout connection. For the concept itself, see the smart transaction routing guide.
Pre-integration checklist
Checklist
What to gather before you contact Avendo
- Checkout type. Hosted e-commerce platform, plugin-based store, or fully custom checkout. This decides most of the connection work.
- Current processor. Who processes your cards today, so Avendo can say whether that processor can be part of your routing.
- Volume and card mix. Monthly card sales, average ticket, and the share of debit, credit, and international cards.
- Recent statements. Two or three months of processing statements give a baseline effective rate to compare against later.
- Security scope. How card data flows through your checkout today. Avendo works only with PCI DSS-compliant processors and gateways, and you should know your own PCI obligations too (PCI Security Standards Council).
Rollout procedure
Apply with Avendo
Use the Avendo credit card processing application, which Avendo describes as offering fast onboarding.Confirm the connection method
Avendo confirms how your existing checkout connects to its routing platform and which processors will be available.Connect in a test setting
Where your platform allows, connect first in a staging or test environment and run sample transactions.Check results end to end
Confirm approvals and declines return correctly to the checkout and that transactions appear in Avendo’s reports.Go live in a quiet period
Switch production traffic when sales volume is lower, and watch the first live transactions closely.Review the first month
Compare your effective rate with your baseline statements over a similar period and card mix.
Engineering considerations
These are general good practices for any payment integration. They are not Avendo-specific requirements; confirm details for your setup during onboarding.
- Do not store raw card data in your own systems unless you are prepared for the full PCI DSS scope that comes with it.
- Handle declines clearly. Show the customer a plain message and let them retry or use another card.
- Prevent duplicate charges. If your own code retries a request, make sure a retry cannot create a second charge for the same order.
- Reconcile with reports.Match orders in your store to transactions in Avendo's pricing and processing reports on a regular schedule.
- Keep a rollback plan. Know how you would revert your checkout configuration if something unexpected happens on launch day.
Who does what in an Avendo routing setup
| Party | Main responsibilities |
|---|---|
| Merchant or developer | Owns the checkout page and customer experience, provides application details, tests the connection, meets its own PCI obligations |
| Avendo | Connects the checkout to multiple processors, routes each transaction to the best available rate in real time, provides pricing and processing reports |
| Payment processors | Authorize and process the transactions they receive, maintain PCI DSS compliance, and handle compensation with Avendo |
What should platform partners plan for?
Platforms that host checkouts for many merchants can offer rate-based routing without building a routing engine. Avendo works with existing checkout pages, serves merchants from small businesses through enterprise organizations, and does not bill merchants directly. Partnership and integration terms are not published on Avendo's homepage, so the first step for a platform is a conversation with Avendo's team through its contact page.
Common questions
- Do I need a developer to use Avendo?
- Avendo works with existing checkout pages, so many small businesses do not need to rebuild anything. Whether a developer is needed depends on how your checkout is built: hosted e-commerce platforms usually need less work than fully custom checkouts. Avendo confirms the steps for your setup during onboarding.
- Does Avendo replace my checkout page?
- No. Avendo works with existing checkout pages. Your customers keep the checkout they already use, and Avendo connects that checkout to multiple processors behind the scenes. The exact connection method for your e-commerce platform or custom checkout is confirmed with Avendo during onboarding.
- What should platform partners know about Avendo?
- Platforms that run checkouts for many merchants should know that Avendo works with existing checkout pages, connects to multiple PCI DSS-compliant processors, and does not bill merchants directly. Partnership terms are not published on Avendo’s homepage, so platforms should contact Avendo to discuss integration and commercial details.
- Can I keep my current processor with Avendo?
- Possibly. Avendo connects checkouts to multiple PCI DSS-compliant processors, and whether your current processor can be one of them depends on the connections Avendo has available. Ask Avendo during your application whether your existing processor can be part of your routing setup.
- How long does it take to start routing transactions?
- Avendo describes its application as offering fast onboarding but does not publish a fixed timeline. Timing generally depends on processor underwriting and on how your checkout connects. Ask Avendo for an estimate based on your platform and business type when you apply.
- What information do I need to apply for card processing?
- Card processing applications generally ask for business registration details, owner information, a bank account for payouts, and recent processing history if you have it, because processors use them for underwriting. This is general industry practice. Avendo’s application page lists its specific requirements, and its team can help through the contact page.