MRC Online Courses

Payments Orchestration and Optimization: Smart Routing & Advanced Vaulting

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In today's rapidly evolving payment landscape, organizations must adeptly orchestrate and optimize payment processes to maintain competitiveness and security in an increasingly digital world. The Payments Orchestration and Optimization: Smart Routing & Advanced Vaulting course equips payment professionals with the requisite knowledge and skills to navigate the complexities of modern payment ecosystems. Beginning with an exploration of payment orchestration platforms, participants gain insight into how these platforms streamline workflows, enhance flexibility, and seamlessly integrate with diverse payment systems and providers.

The course significantly emphasizes smart routing, a cornerstone of payment orchestration, delving into its intricacies and benefits. Participants learn how smart routing optimizes transaction pathways, bolsters authorization rates, and reduces costs in payment processing. Simultaneously, they explore advanced vaulting, addressing the critical imperative for secure data storage and management. Through hands-on activities and practical exercises, participants acquire the expertise to implement and optimize these strategies, ultimately driving efficiency, security, and compliance in their organizations' payment operations.

Who Should Enroll?

  • Payment operation managers who are responsible for overseeing the day-to-day operations of payment processing within an organization.
  • Payment technology specialists that specialize in the development, implementation, and maintenance of payment technologies.
  • eCommerce payments analysts seeking to implement strategies that improve authorization rates, reduce friction in payment flows, and mitigate risks associated with data breaches.
  • Payment system administrators looking to implement more efficient routing algorithms, enhance data security measures, and ensure seamless integration of new technologies into existing payment systems.
  • This course may also benefit compliance officers and Fintech professionals.

Program Details

  • Program Level: Intermediate
  • Program Field of Study: Specialized Knowledge
  • Program Delivery Method: QAS Self Study
  • CPE Credits: 2.2
  • Advanced Preparation and/or Pre-requisites: Payment Essentials is recommended.

Learning Objectives

  • Explain the key features of payment orchestration platforms
  • Define smart routing in the context of payment orchestration
  • Define advanced vaulting in the context of payment orchestration
  • Identify the benefits of integrating smart routing and advanced vaulting into one platform
  • Explain the process of payment routing
  • Identify the basic principles and functionalities of smart routing
  • Compare and contrast smart routing and traditional routing
  • Identify the core benefits of smart routing
  • Explain how smart routing optimizes costs in payment processing
  • Understand how smart routing enhances authorization rates
  • Explain how smart routing impacts geo-optimization
  • Identify the key components of smart routing
  • Describe how smart routing works
  • Identify the steps to set up smart routing
  • Explain the best practices for setting up smart routing
  • Explain payment data vaulting
  • Identify the importance of secure data storage
  • Analyze the differences between basic and advanced vaulting
  • Identify the features of advanced vaulting
  • Analyze tokenization and de-tokenization processes in the context of advanced vaulting
  • Define multi-tenant data segregation
  • Explain data masking and encryption
  • Explain the benefits of advanced vaulting
  • Identify how advanced vaulting enhances security
  • Analyze how advanced vaulting utilizes scalability and flexibility
  • Explain how advanced vaulting reduces payment friction for users
  • Describe how to implement advanced vaulting solutions for eCommerce merchants
  • Identify the key criteria to consider when selecting a vendor for advanced vaulting solutions
  • Explain how to integrate advanced vaulting systems with payment systems
  • Describe how to monitor and do compliance checks continuously for advanced vaulting systems


MRC Members: USD $150 (plus applicable taxes)

Non-members: USD $300 (plus applicable taxes)

Please allow 1-2 hours to complete this course. The course culminates with a comprehensive final assessment to evaluate the user's comprehension of the material. Upon successfully completing the final assessment, participants will be awarded a certificate of completion representing their proficiency in the subject matter.

MRC Education Accreditation

The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

National Registry of CPE Sponsors logo

MRC Education Refund Policy

MRC Education eLearning course refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to Refunds will not be issued once a course is started. Additionally, courses must be completed within one year of the course enrollment date.

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