Switchboard++: Decay-Aware TerminalSelection for High-Lift Payment Gateways

This paper introduces a production-grade smart-routing gate-way that boosts permission results by ranking acquirer terminals witha two-stage AI pipeline: a static sieve that enforces business rules andforecasts gateway downtime, followed by a dynamic scorer that computesdecay-weighted, real-time success features and infers per-terminal winprobabilities. The system blends time-window and event-window teleme-try with adaptive half-life revisions and a random-forest classifier, thenorchestrates retries to the next-best route on failure, delivering 4–6%success-rate lift across cards, net-banking, and UPI at Internet scale.Deployed inline at a payment processor, it shows flexible and adaptivepayment processing and gateway choice with explainable signals, lowlatency, and continuous feedback learning.