add support for cost based debit routing

[ShankarSinghC]

For every payment that occurs, there are three fees associated with the network:

1. Network Fee
   Every network has its own network fee structure, which typically includes both a percentage (% of the amount) and a fixed fee. For each payment, the respective network will charge a specific percentage and a fixed amount.

2. Interchange Fee
   If the bank is a regulated bank, it can charge only a specified percentage and fixed amount for the transaction. If the bank is not a regulated bank, then, similar to the network fee, the bank can charge different amounts depending on the network.

3. Fraud Check Fee
   When a bank is regulated under an exemption for fraud checks, it may charge an additional fee only if a fraud check is conducted.

When a payment is being performed all this factors should be taken in consideration and a network should be chosen according to merchant's configuration