Using Rules

Paydock allows you to customise your payment flow using Rules. These Rules allow you to prioritise certain payment methods, currencies or card schemes over others. You can also reject certain transactions if they don't meet your criteria and ask the customer to try a different method instead.

Some of your payment methods may be less expensive for cross-border payments, others may provide a lower friction customer experience, and yet others may have higher success rates. With this feature, you can create a tiered approach to your customers' processing, helping to minimise costs, increase conversion and reduce fraud rates based on your unique business.

The Rules feature uses Boolean logic to implement your preferences.

Routing Rules

Create a new Routing Rule

The first Rule created will be set as the default Rule. If no additional Rule is created, this will define the final gateway and the flow of payment. Before setting up a new Rule, please make sure that the payment service you select supports the indicated currency, payment source type or card scheme. To add a Rule, follow these steps:

  1. Log into your Paydock Production or Sandbox account.
  2. Navigate to Rules from the menu on the left and make sure you are in the Routing tab.
  3. Choose the Add New button.
  4. Add the Rule Label to name the new Rule.
  5. You can select the Rule Type by choosing between Currency, Payment Source Type and Card Scheme.


  6. Choose a Rule Operator from the ones described below:
    • Equals: choose one option, for which the rule will be applied.
    • Does not equal: choose the only option, for which the rule will not be applied.
    • In: choose several options, for which the rule will be applied.
    • Not in: choose several options, for which the rule will not be applied.
  7. Select the Payment Service you would like to route the payment to.
  8. Click on the Create Rule button to add the new Rule to the list.

The default status of the first created Rule is Active and subsequent rules that you create will need to be activated manually, as described below. The rules you add will be handled in the order in which they appear, such that if the first rule criteria are met, the charge will follow that rule and, if not, they will be applied in descending order.

Activate or deactivate existing Routing Rules

To activate or deactivate an existing Rule, follow these steps:

  1. Log into your Paydock Production or Sandbox account.
  2. Navigate to Rules from the menu on the left and make sure you are in the Routing tab.
  3. Click on the Actions button on the required Rule;
  4. Choose the Activate/Deactivate Rule option from the drop-down.

Test existing Routing Rules

We have a testing feature where you can check your Rules before enabling them on your Paydock account. This allows you to ensure the rule works as intended.

  1. Log into your Paydock Production or Sandbox account;
  2. Navigate to Rules from the menu on the left and make sure you are in the Routing tab;
  3. Find the Check A Rule section at the bottom page;
  4. Choose Currency, Payment type, Amount and PAN (card number) for checking the rule;
  5. Click the Check Rule button; 
  6. The result is displayed on the screen.

Priority setting of multiple Rules

This feature allows you to change the prioritisation of Rules if there are more than 1.

  1. Log into your Paydock Production or Sandbox account;
  2. Navigate to Rules from the menu on the left and make sure you are in the Routing tab;
  3. Drag the rule using the hamburger menu button to the desired position;
  4. Your rules will be processed according to this order.


Reject Rules

With our Reject Rules feature, you are able to reject a charge before sending a request to the gateway. This can be used for mitigating fraud risk, or for any other practical application you can conceive.

Create a new Reject Rule

To add a rule, follow these steps:

  1. Log into your Paydock Production or Sandbox account.
  2. Navigate to Rules from the menu on the left and choose the Charge Reject tab.
  3. Choose the Add New button.
  4. Add the Rule Label and select the Rule Type by choosing from:
    • Currency
    • Amount
    • Card Scheme
    • Payment Source Type
    • PAN
    • Address Country
    • Custom Fields

  5. Once this is completed, choose a Rule Operator from the list below: 
    • In: choose several options, from which the rule will be applied.
    • Not in: choose several options, from which the rule will not be applied.
    • Less than: if the indicated amount is greater than the charged amount, the charge itself will be rejected - for Amount only.
    • Less than or equal: if the indicated amount is equal or greater than the charged amount, the charge itself will be rejected - for Amount only.
    • Greater than: if the indicated amount is less than the charged amount, the charge itself will be rejected - for Amount only.
    • Greater than or equal: if the indicated amount is equal or less than the charged amount, the charge itself will be rejected - for Amount only.
  6. Indicate the Reason for Rejection, i.e. the message explaining why this charge will be rejected.
  7. Click on the Create Rule button to add the new rule to the list.

The default status of the created Rule is Inactive. Therefore, all the Rules will need to be activated manually, as described below.

Activate a Reject Rule

Below is a step-by-step guide on how to enable/disable a created rule.

  1. Log into your Paydock Production or Sandbox account.
  2. Navigate to Rules from the menu on the left and go to the Charge Reject tab.
  3. Click on the Actions button near the needed Rule.
  4. Choose the Activate/Deactivate Rule option from the drop-down.

Note: The rule can also be edited using the Actions button.

Test existing Reject Rules

Here we have a testing feature similar to the one in Routing where you can check your rules before enabling them in your Paydock account.

  1. Log into your Paydock Production or Sandbox account.
  2. Navigate to Rules from the menu on the left and go to the Charge Reject tab.
  3. Find the Check A Rule section on the bottom page.
  4. Choose Currency, Payment type, Amount, PAN (card number), Address country (optional) and Custom Fields (optional) to check the rule.
  5. Click the Check Rule button.
  6. The result is displayed on the screen.

Priority setting of multiple rules

This feature allows you to change the prioritisation of your rules if there are more than 1 and works exactly as described above under the Routing Rules section.

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