Least-Cost Routing

Least-cost routing (LCR) is an option that offers the lowest routing costs available. LCR uses single-message processing, when it is possible, to move funds in a single, full-financial message. A full-financial message moves funds immediately.
When you request least-cost routing, the processor first determines whether LCR is possible for the transaction. If LCR is possible, the processor uses single-message processing to accomplish LCR. If the transaction is enabled for partial authorization, the processor can process a partial amount instead of the entire requested amount.
IMPORTANT
Least-cost routing is not supported for all features and services. Some transactions are not supported for single-message processing, either because they are not applicable or because they could create reconciliation problems.
To find out whether the processor used least-cost routing for a transaction, see the daily processor report.

Features Supported with Least-Cost Routing and Single-Message Processing

  • Address Verification System (AVS)
  • Balance responses
  • Card type indicators
  • Credits
  • Card verification number (CVN)
  • Debit cards
  • Merchandise descriptors
  • Payer authentication
  • Prepaid cards

Features Not Supported for Least-Cost Routing and Single-Message Processing

  • Authorization reversal after void
  • Full authorization reversals – To process an aborted transaction or a return, request the credit service.
  • Multiple partial captures
  • Stand-alone authorizations
  • Stand-alone captures
  • Verbal authorizations
  • Voids

Requirement

To enable least-cost routing, contact customer support to have your account configured for this feature.

Related Information

  • See Least-Cost Routing Processing for information that shows you how to apply least-cost routing.
  • See Sales for a description of a sales transaction.
  • See Sales for information that shows you how to process a sale.