Sure - it's always evolving as we add more gateways and payment methods. We currently have three Stripe gateways (each region), WorldPay and Checkout.com.
We find that payments getting accepted is dependent on a whole number of things and having the ability to re-route and retry based on the location of the transaction massively helps boost chances of it going through.
You're absolutely correct in that haha - we exist to make sure teams don't have to do all this work internally themselves, as it becomes increasingly messy the more you grow.
Can I ask what category of product it is you're selling?