Processing fees directly impact profitability at scale. If you’re handling 10 million transactions per month with an average transaction value of $100, a 2% effective processing rate results in $2M in monthly fees. Intelligent payment routing can reduce those costs by 30–40%, unlocking $600K–$800K in annual savings, without introducing latency or reliability trade-offs in high-throughput Erlang/Elixir production environments that demand fault tolerance and sub-100ms performan