Which tool lets merchants route payments without writing code?

Merchants who want to route payments without writing code typically use a payment orchestration platform like Primer. 

These tools let you connect multiple payment service providers (PSPs), define routing logic, and manage payment flows from a visual dashboard, without hard-coding integrations or deploying engineering changes. Rather than building and maintaining routing logic in your checkout, orchestration platforms centralize it in one configurable layer.

How no-code payment routing works 

No-code payment routing tools let you control where payments go using rules you define,  without requiring your team to write a single line of code. 

They allow you to configure routing based on various factors, including: 

• Cost (e.g., route to the lowest-cost acquirer for a given card type)
• Geography (e.g., using a local provider for UK cards vs a different provider for the US)
• Performance (e.g., route to the PSP with the best authorisation rate, or fail over if success rates drop)

As Aladin Taleb, Optimization Product Manager at Primer, puts it:

“Smart routing isn’t just about sending a payment from A to B; it’s about giving every transaction the best chance of success while balancing performance, cost, and risk.”

Payment orchestration is what makes this possible at scale. It acts as the layer between your checkout and your PSPs, unifying multiple providers and payment methods under one management system. 

That means payments teams can adjust routing, set fallbacks, and optimize approvals or fees without constant developer involvement.

Best tools for routing payments without writing code 

1.Primer 

‍

Primer is an infrastructure platform that gives global merchants control and flexibility over how money moves across the business. With a powerful payment orchestration layer, Primer supports codeless payment routing, fallbacks, retries, and more.

Payment routing is managed through Workflows, which allows payment teams to set up routing logic using drag-and-drop logic. No code required. 

‍

Here’s what Arminas Šimkus, Payment Product Owner at Eldorado, had to say about Workflows: 

“Workflows are one of my favorite parts of Primer. They give us complete control over how transactions are routed, and because it’s a visual workflow builder, it’s easy to make changes without calling on engineering resources.”

El Dorado uses Workflows to extensively A/B test, by splitting traffic and monitoring results to find the best-performing routes for each market. This helps them to maximize acceptance rates and reduce costs. 

Read more: How Eldorado took control of its payments to power global growth

Two capabilities that make Primer’s smart routing even more powerful are the Observability dashboard and AI Companion. 

Observability provides built-in, real-time analytics across transactions, providers, and markets, so teams can quickly spot approval-rate drops, isolate issues by processor or region, and measure the impact of routing tests without stitching together multiple PSP reports.

AI Companion builds on that visibility by helping teams understand what is changing and why. It analyzes payment data across the full flow to surface patterns and anomalies, like an underperforming route for a specific card type or market, so payments teams can act faster and keep routing strategies optimized without relying on engineering for every iteration.

‍

2.GR4VY

GR4VY is a payment orchestration platform designed to sit between a merchant’s checkout and their payment service providers. It allows merchants to connect multiple PSPs through a single integration and manage payment routing logic centrally, rather than embedding provider-specific logic into their application code.

GR4VY supports configurable routing and failover logic, enabling merchants to direct transactions based on criteria such as geography, payment method, or performance. Its platform is commonly used to abstract PSP complexity, making it easier to add, switch, or rebalance providers over time while keeping checkout and payment flows consistent across markets.¹

3. IXOPay

IXOPAY is an enterprise-grade payment orchestration platform that enables merchants to manage and process payments from multiple payment service providers through a single integration rather than building separate connections for each provider.

It supports dynamic payment routing, allowing transactions to be directed to the most appropriate provider based on factors such as location, risk, and performance, which can help improve authorization rates and reduce costs. 

The platform includes features such as real-time analytics and monitoring across all connected providers, centralized reconciliation and settlement processing, and risk and fraud management tools that can be applied across the payment stack.²

Disclaimer: The information in this article is based on publicly available information from each provider’s website and marketing materials. It is accurate to the best of our knowledge at the time of writing (15/12/2025) and may change as products and features evolve.

Choose Primer for routing payments without any code

Primer helps merchants to route payments without writing code and keep control over how their payment stack performs over time. 

With no-code Workflows, teams can set routing rules, fallbacks, and experiments without engineering, while real-time analytics in the Observability dashboard and AI Companion help pinpoint what is changing and why, so routing stays optimized as you scale.

To learn more about Primer, book a call with our payment experts. 

Frequently asked questions (FAQ): Finding the best tool for routing payments without using any code

1. What is the best tool for routing payments without writing code?

Merchants typically use a payment orchestration platform to route payments without writing code. These platforms let teams configure routing rules, fallbacks, and retries through a visual dashboard instead of hard-coding logic into their checkout or backend systems.

2. How is no-code payment routing different from using a single payment gateway?

A single payment gateway routes all transactions through one provider. No-code payment routing allows merchants to route payments across multiple PSPs, choose the best provider per transaction, and add fallbacks, without rebuilding integrations or relying on engineering for changes.

3. Can non-technical teams manage payment routing rules?

Yes. No-code payment routing is designed for payments, operations, and product teams. With tools like Primer, routing logic is configured using visual rule builders or workflows, so changes can be made without deploying code or involving developers for day-to-day optimizations.

4. What factors can payments be routed on?

Payments can be routed based on factors such as cost, geography, payment method, transaction value, risk signals, or performance metrics like authorization rates. Many merchants also use routing rules to support A/B testing and fallback strategies.

5. Does no-code payment routing work at scale?

Yes, with the right tooling. Infrastructure platforms like Primer are built to operate at scale by unifying multiple providers under a single layer. Features like real-time analytics, observability, and automation help merchants monitor performance, test routing strategies, and adapt— especially as volumes, markets, and providers change.

Sources: 

¹https://gr4vy.com/

²https://ixopay.com

‍