RouteSense provides a unified intelligence layer that consolidates fragmented payment data across the transaction lifecycle, giving stakeholders near-real-time insight into merchant identification (MID) health. Its debut product, Pathfinder, continuously monitors network-defined health indicators and dynamically routes transactions to the healthiest MIDs, helping merchants maintain authorization performance and comply with Visa’s new Visa Acquiring Monitoring Program (VAMP). Unlike legacy reporting tools that surface issues weeks later, Pathfinder offers predictive analytics that enable proactive intervention before fines or account holds occur. The platform is powered by a modern data infrastructure and is designed to expand across the full payment lifecycle, ultimately becoming the operating intelligence layer for acquirers worldwide. RouteSense was founded by industry veterans Stephen Martin, Robert Matthews, and Colin Martin, who collectively bring more than 75 years of payments and real-time analytics experience. The company is currently onboarding select merchants, payment service providers, and processors. Future plans include adding continuous portfolio visibility, predictive risk signals, and end-to-end MID health management capabilities.

Total raised

$2M

Funding rounds

1

Latest round

Seed

Latest activity

Jan 2026