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Affirmed payments are routed to appropriate payment module. The platform identifies all possible routing through which the Beneficiary’s bank can be credited optimizing time/cost as needed. The IMS payment platform is rich with connections to various clearing and settlement channels. For every payment request, a complete disclosure of cost vs. settlement time expected against each channel can be disclosed for assisting the customer in optimizing routing decisions.
The routing decisions can be based on many factors. Some of them are listed below