Architecting a High-Impact Payments Strategy

Customer

Merchant

Acquiring Bank

Card Network

Issuing Bank

PSP

Payments Optimization Engine

The critical points where approvals and conversion can be directly influenced. Instead, shifting fraud decisions to pre-authorization, merchants can influence key conversion levers like card vaulting, issuer strategy, 3DS and routing, to drive increase conversions and reduce costs.

A Roadmap to Drive Higher Authorization Rates

The opportunity to directly influence issuer authorization decisions, through data sharing, network tokenization, and intelligent 3DS deployment is a competitive lever merchants are using to increase conversions.

But the real question isn’t what to optimize, it’s how to get there. Where should you start…