Routing and processing of payment transactions

A system comprising:

• one or more processors;
• a communication interface;
• and
• one or more computer-readable media storing instructions executable by the one or more processors, wherein the instructions program the one or more processors to:
• dynamically monitor endpoint attributes at least in part by transmitting messages to a plurality of endpoints and determining the endpoint attributes based on whether individual ones of the plurality of endpoints return responses to the messages, when the responses are sent or received, and/or contents of the responses;
• receive a request to route a payment transaction message to one of the plurality of endpoints;
• select a first endpoint from the plurality of endpoints for processing the payment transaction message based at least in part on identified attributes including the endpoint attributes, the identified attributes including at least a latency associated with the first endpoint;
• route, via the communication interface, the payment transaction message to the first endpoint;
• selecting a second endpoint from the plurality of endpoints for processing a second payment transaction message;
• generating processing feedback including one or more recommendations to optimize processing of the second payment transaction message, wherein implementation of the processing feedback by the second endpoint increases a likelihood that the second endpoint will be selected instead of the first endpoint;
• and
• cause implementation of the one or more recommendations by the second endpoint by routing the processing feedback to the second endpoint.

One or more non-transitory computer-readable media maintaining instructions executable by a processor to perform operations comprising:

• dynamically monitoring endpoint attributes at least in part by transmitting messages to a plurality of endpoints and determining the endpoint attributes based on whether individual ones of the plurality of endpoints return responses to the messages, when the responses are sent or received, and/or contents of the responses including transaction attributes and transaction results associated with a plurality of payment transactions processed by the plurality of endpoints;
• receiving, from a merchant system, a request to process a payment transaction message;
• identifying identified attributes associated with the payment transaction message;
• and
• selecting an endpoint for processing the payment transaction message from the plurality of endpoints based at least in part on the identified attributes and the endpoint attributes, wherein the endpoint attributes include includes at least a latency associated with the endpoint;
• and
• routing the payment transaction message to the endpoint,
• wherein the endpoint is selected based on the latency being low enough to convert an optimistic transition in which digital content is delivered before payment processing is complete into a non-optimistic transaction in which the digital content is delivered after the payment processing is complete.