Routing
tor.io sends each payment to whichever of your PSPs is likeliest to work — learned from real outcomes, per segment. The same PSP can win one segment and lose another.
Primary traffic here goes to PayRetailers — 91% accept on 5.2k real payments. ▲+2 since 6w ago
First deposit — getting the customer in matters most, so acceptance outweighs fee.
Compare over time
6w ago → now
Payment
Brazil
Card · First deposit
PayRetailers
91%
▲+2
5.2k obs
Praxis Tech
87%
▲+2
3.4k obs
Nuvei
83%
▲+2
2.6k obs
emerchantpay
78%
▲+7
340 obs
Paysafe
72%
seeded
PayRetailers
91%
▲+25.2k obs
Fee
4.20%
CB
0.6%
Traffic
62%
Praxis Tech
87%
▲+23.4k obs
Fee
4.50%
CB
0.7%
Traffic
24%
Nuvei
83%
▲+22.6k obs
Fee
4.70%
CB
0.8%
Traffic
8%
emerchantpay
78%
▲+7340 obs
Fee
5.10%
CB
0.9%
Traffic
5%
Paysafe
72%
seeded
Fee
5.40%
CB
1.1%
Traffic
1%
Why this split
A live R$ 5,000 first deposit just landed in this segment. Each route is scored on the spot — acceptance minus fee minus the cost of a decline, adjusted for health — and traffic is split by the result.
PayRetailers
score 74
gets 62%
Praxis Tech
score 68
gets 24%
Nuvei
score 63
gets 8%
emerchantpay
score 54
gets 5%
Paysafe
score 46
gets 1% (exploration)
Trust ladder
New PSPs earn traffic, never get it for free. Each route sits on the rung it's proven in this segment as of now — a ▲ marks a climb since 6w ago.
Live
full eligibility
PayRetailers
Praxis Tech
Nuvei
Capped
capped at 10% of traffic
emerchantpay
from Proving
Proving
exploration traffic only
Paysafe
Shadow
scored, not sent
—
Primary traffic here goes to Praxis Tech — 89% accept on 4.1k real payments. ▲+2 since 6w ago
Repeat deposit — the customer is already yours, so the cheaper route wins unless it costs acceptance.
Compare over time
6w ago → now
Payment
Brazil
Card · Repeat deposit
Praxis Tech
89%
▲+2
4.1k obs
PayRetailers
90%
▲+2
5.0k obs
Nuvei
85%
▲+2
2.9k obs
Paysafe
81%
▲+3
700 obs
emerchantpay
77%
▲+7
210 obs
Praxis Tech
89%
▲+24.1k obs
Fee
4.00%
CB
0.5%
Traffic
55%
PayRetailers
90%
▲+25.0k obs
Fee
4.70%
CB
0.6%
Traffic
30%
Nuvei
85%
▲+22.9k obs
Fee
4.50%
CB
0.7%
Traffic
10%
Paysafe
81%
▲+3700 obs
Fee
4.80%
CB
0.8%
Traffic
4%
emerchantpay
77%
▲+7210 obs
Fee
5.20%
CB
1.0%
Traffic
1%
Why this split
A live R$ 5,000 repeat deposit just landed in this segment. Each route is scored on the spot — acceptance minus fee minus the cost of a decline, adjusted for health — and traffic is split by the result.
Praxis Tech
score 74
gets 55%
PayRetailers
score 72
gets 30%
Nuvei
score 66
gets 10%
Paysafe
score 59
gets 4%
emerchantpay
score 52
gets 1% (exploration)
Trust ladder
New PSPs earn traffic, never get it for free. Each route sits on the rung it's proven in this segment as of now — a ▲ marks a climb since 6w ago.
Live
full eligibility
Praxis Tech
PayRetailers
Nuvei
Capped
capped at 10% of traffic
Paysafe
Proving
exploration traffic only
emerchantpay
Shadow
scored, not sent
—
Primary traffic here goes to Nuvei — 90% accept on 3.8k real payments. ▲+2 since 6w ago
German cards are strict on 3DS — acceptance swings hardest on who authenticates cleanly.
Compare over time
6w ago → now
Payment
Germany
Card · First deposit
Nuvei
90%
▲+2
3.8k obs
Paysafe
88%
▲+2
3.1k obs
Praxis Tech
85%
▲+2
2.2k obs
emerchantpay
82%
▲+3
900 obs
PayRetailers
68%
seeded
Nuvei
90%
▲+23.8k obs
Fee
3.80%
CB
0.4%
Traffic
54%
Paysafe
88%
▲+23.1k obs
Fee
3.90%
CB
0.4%
Traffic
28%
Praxis Tech
85%
▲+22.2k obs
Fee
4.20%
CB
0.5%
Traffic
14%
emerchantpay
82%
▲+3900 obs
Fee
4.50%
CB
0.6%
Traffic
4%
PayRetailers
68%
seeded
Fee
5.20%
CB
0.9%
Traffic
—
Why this split
A live €89.90 first deposit just landed in this segment. Each route is scored on the spot — acceptance minus fee minus the cost of a decline, adjusted for health — and traffic is split by the result.
Nuvei
score 76
gets 54%
Paysafe
score 74
gets 28%
Praxis Tech
score 69
gets 14%
emerchantpay
score 63
gets 4%
PayRetailers
score 44
gets 0%
Trust ladder
New PSPs earn traffic, never get it for free. Each route sits on the rung it's proven in this segment as of now — a ▲ marks a climb since 6w ago.
Live
full eligibility
Nuvei
Paysafe
Praxis Tech
Capped
capped at 10% of traffic
emerchantpay
Proving
exploration traffic only
—
Shadow
scored, not sent
PayRetailers
Primary traffic here goes to PayRetailers — 96% accept on 6.1k real payments. ▲+2 since 6w ago
PIX is instant and irreversible — no chargeback cost to price in, so acceptance and fee decide it outright.
Compare over time
6w ago → now
Payment
Brazil
PIX · First deposit
PayRetailers
96%
▲+2
6.1k obs
Praxis Tech
94%
▲+2
3.2k obs
Nuvei
92%
▲+2
1.8k obs
emerchantpay
89%
▲+7
260 obs
Paysafe
85%
seeded
PayRetailers
96%
▲+26.1k obs
Fee
1.90%
CB
0.0%
Traffic
70%
Praxis Tech
94%
▲+23.2k obs
Fee
2.10%
CB
0.0%
Traffic
20%
Nuvei
92%
▲+21.8k obs
Fee
2.30%
CB
0.0%
Traffic
7%
emerchantpay
89%
▲+7260 obs
Fee
2.50%
CB
0.0%
Traffic
3%
Paysafe
85%
seeded
Fee
2.80%
CB
0.0%
Traffic
—
Why this split
A live R$ 5,000 first deposit just landed in this segment. Each route is scored on the spot — acceptance minus fee minus the cost of a decline, adjusted for health — and traffic is split by the result.
PayRetailers
score 92
gets 70%
Praxis Tech
score 89
gets 20%
Nuvei
score 86
gets 7%
emerchantpay
score 82
gets 3%
Paysafe
score 77
gets 0%
Trust ladder
New PSPs earn traffic, never get it for free. Each route sits on the rung it's proven in this segment as of now — a ▲ marks a climb since 6w ago.
Live
full eligibility
PayRetailers
Praxis Tech
Nuvei
Capped
capped at 10% of traffic
emerchantpay
from Proving
Proving
exploration traffic only
Paysafe
Shadow
scored, not sent
—
Primary traffic here goes to Nuvei — 95% accept on 2.9k real payments. ▲+2 since 6w ago
SEPA is a bank debit, not a card — acceptance is high across the board, so the cheapest reliable route takes the traffic.
Compare over time
6w ago → now
Payment
Germany
SEPA · First deposit
Nuvei
95%
▲+2
2.9k obs
Paysafe
94%
▲+2
2.4k obs
Praxis Tech
92%
▲+2
1.5k obs
emerchantpay
90%
▲+7
180 obs
PayRetailers
72%
seeded
Nuvei
95%
▲+22.9k obs
Fee
1.20%
CB
0.0%
Traffic
58%
Paysafe
94%
▲+22.4k obs
Fee
1.30%
CB
0.0%
Traffic
30%
Praxis Tech
92%
▲+21.5k obs
Fee
1.50%
CB
0.0%
Traffic
9%
emerchantpay
90%
▲+7180 obs
Fee
1.70%
CB
0.0%
Traffic
3%
PayRetailers
72%
seeded
Fee
2.10%
CB
0.0%
Traffic
—
Why this split
A live €89.90 first deposit just landed in this segment. Each route is scored on the spot — acceptance minus fee minus the cost of a decline, adjusted for health — and traffic is split by the result.
Nuvei
score 93
gets 58%
Paysafe
score 91
gets 30%
Praxis Tech
score 89
gets 9%
emerchantpay
score 85
gets 3%
PayRetailers
score 66
gets 0%
Trust ladder
New PSPs earn traffic, never get it for free. Each route sits on the rung it's proven in this segment as of now — a ▲ marks a climb since 6w ago.
Live
full eligibility
Nuvei
Paysafe
Praxis Tech
Capped
capped at 10% of traffic
emerchantpay
from Proving
Proving
exploration traffic only
—
Shadow
scored, not sent
PayRetailers
Segment
No filter lists every segment. Narrow it down — country and currency decide the rails.
Geography
Currency
Method
Flow