The disclosure herein describes receiving, analyzing, and routing a transaction to a priority processing network based on routing rules. A transaction message associated with an electronic credit transaction is received, the transaction message including transaction data. Routing rules are accessed from a routing rules data store and at least one category of the electronic credit transaction is determined based on the transaction data. A routing score is calculated based on an application of the routing rules to the at least one category. Based on the calculated routing score, the transaction message is routed to a priority processing network, wherein processing the electronic credit transaction by the priority processing network includes a direct funds transfer between a payer account and a payee account. The described system provides flexible, efficient routing of transactions to the priority processing network for rapid processing based on the preference for or urgency of the transactions.