Create a Spreedly environment and add each target payment gateway via the Dashboard or API, supplying merchant account credentials for each; the Spreedly token becomes your universal payment method identifier.
Tokenize the customer's card using Spreedly's payment form or API so that the card data is stored in the Spreedly vault and never touches your servers.
Open Composer (the Spreedly low-code workflow builder) and create a new workflow; add routing rules using standard dimensions such as currency, card brand, issuing country, or transaction amount to direct transactions to specific gateways.
For percentage-based split routing, configure split-volume rules distributing traffic between two gateways (for example, 70% to gateway A, 30% to gateway B) to A/B test authorization rates or manage provider relationships.
Submit transactions through the Composer API endpoint with the Spreedly payment method token; Composer evaluates the rules and forwards the transaction to the matched gateway automatically.
Monitor normalized response fields in the Spreedly transaction response to compare gateway performance across your routing rules; use the Spreedly Dashboard reporting for visibility.
Known gotchas
Payment methods tokenized by Spreedly are stored at Spreedly (not at the gateway), enabling universal tokenization — the same token can be used against any connected gateway without re-collecting card data.
Routing rules are evaluated in order; ensure more specific rules (for example, a specific card brand + currency) appear before broad catch-all rules to avoid unexpected gateway assignment.
Switching a transaction to a different gateway after a card has been vaulted at the original gateway requires no re-tokenization when using Spreedly, but does require the destination gateway to be provisioned and tested in your Spreedly environment first.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp