I have a client that has made a compelling argument for installing a secondary gateway for the following reasons:
- There are cases where, when accepting payment via Amex or Discover, I may choose to send payments through another gateway that has lower fees
- Some gateways (such as Paypal Direct) have declined based on history / bias of the customer's other purchases, in the Paypal example their history on eBay, for instance. This was confirmed by Merchant Technical Support. In this case, we would sniff for a decline by that gateway and issue the payment for authorization via another gateway.
- Balance transactions between two gateways for some time to transition from one to another without a hard cut-over.
What is the best practice for implementing more than one gateway and are any of the above three options practical or available for implementation?