Multi-Rail Router

Route payments to the optimal rail based on cost, speed, and availability.

POST /v1/pay

Route a payment through the best available rail.

Request

POST /v1/pay
Content-Type: application/json
Authorization: Bearer fl_...

{
  "agent_id": "agent_123",
  "amount": 50.00,
  "currency": "USD",
  "vendor": "openai.com",
  "purpose": "API credits",
  "preferences": {
    "optimize_for": "cost",
    "allowed_rails": ["ramp", "natural", "stripe"]
  }
}

Response

{
  "transaction_id": "txn_abc123",
  "rail_used": "ramp",
  "rail_reason": "lowest_fee_for_amount",
  "amount_charged": 50.00,
  "fee": 0.25,
  "status": "completed",
  "alternatives_considered": [
    {"rail": "natural", "fee": 0.35, "reason": "higher_fixed_fee"},
    {"rail": "stripe", "fee": 0.50, "reason": "percentage_based"}
  ]
}

Optimization Modes

cost

Select the rail with the lowest total fees for this transaction.

speed

Select the rail with the fastest settlement time.

reliability

Select the rail with the highest uptime and success rate.

GET /v1/rails

List all connected payment rails and their status.

Response

{
  "rails": [
    {
      "id": "ramp",
      "name": "Ramp Agent Cards",
      "status": "connected",
      "fee_structure": "0.5% + $0.00"
    },
    {
      "id": "stripe",
      "name": "Stripe MPP",
      "status": "connected",
      "fee_structure": "1.0% + $0.00"
    }
  ]
}