Can merchants set their own routing rules?

On NORBr, yes, within limits the operator sets. Merchants build and reorder rules in a console under the operator's brand, choosing among the providers the operator has enabled for them. The operator keeps control of contracts and sees which rules and volumes depend on each provider.

Within the operator's limits

On NORBr, merchants can build and reorder routing rules in a console under the operator's brand. They choose among the providers the operator has enabled for their account, by criteria such as card type, country, amount or currency. The operator decides which providers each merchant sees and which criteria are available.

What the operator keeps

• Contracts and pricing with each provider.
• The list of providers enabled per merchant.
• Visibility on which rules and volumes depend on each provider.
• The ability to override or lock rules for a merchant.

Why delegate at all

Large merchants know their traffic and want to test routing changes themselves, without waiting for a support ticket. Delegating within limits gives them that control and keeps the operator in charge of the commercial relationship with providers. For smaller merchants, the operator usually applies a default rule set and manages it centrally. Reporting shows, per merchant and per provider, which rule sent each transaction and with what result, so both sides can see whether a rule helped.