# 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…