# Maximize Your Payment Conversions

## The Dynamic Authorization Engine

Revenue is lost at the point of payment.

Authorization outcomes vary by issuer based on the data they receive, the confidence they have in the customer, and the proprietary models driving decisions behind the scenes.

Treating every issuer the same results in unnecessary declines, added customer friction, lost revenue, and increased operational overhead.

## Forter’s Payment Optimization

Forter helps merchants improve authorization rates by adapting authentication, routing, and data-sharing decisions based on customer identity, transaction details, and how individual issuers actually behave.

Instead of relying on blanket configurations, Forter uses its global network of 2 billion + identities to apply issuer and customer context in real time. We ensure authentication is applied only where it helps, richer data is shared where it’s needed, and good customers are effortlessly approved.

## Proven Performance

**1-3% increase in authorization**  
**75% reduction in false declines**  
**50% reduction in first-party fraud**

## Key Pillars of Optimization

**Adapt to Issuer Behavior in Real Time**

No two issuers evaluate transactions the same way. Forter removes the guesswork by dynamically adjusting 3DS execution, network token usage, and routing strategies based on what is actively driving the highest authorization rates for each issuer.

## Helps Issuers Recognize Good Customers

Issuers often decline legitimate, high-value customers because they don’t know who they are. Forter shares enriched customer identity signals directly with issuers and card networks during authorization, helping reduce false declines and improve approval confidence.

## Infrastructure + Intelligence in One Platform

Modern payment optimization requires both decisioning and execution. Forter combines real-time intelligence with the native infrastructure, including tokenization, 3DS execution, and orchestration, to operationalize strategies consistently across complex commerce environments.

## Capabilities & Business Impact

| Capability | What It Does | Business Impact |
| --- | --- | --- |
| Issuer & Network Data Sharing | Shares enriched customer identity and transaction context directly with issuers | Reduces false declines by helping issuers confidently recognize trusted customers |
| Smart Authentication & Exemptions | Dynamically applies 3DS and SCA exemptions based on issuer behavior and risk signals | Minimizes checkout friction while maintaining regulatory compliance |
| Predictive Payment Routing | Adjusts processor, network, and token decisions in real time based on issuer performance | Maximizes first-attempt authorization success and lowers processing costs |
| Tokenization & Vaulting | Supports network tokenization and account updating across providers | Improves payment continuity and enables true multi-processor flexibility |
| Payment Orchestration | Unifies processors, authorization flows, and routing into a centralized optimization layer | Increases revenue while reducing operational overhead across global commerce |

## The Forter Foundation

## Powered by the Forter Network

Real-time decisions informed by a global network of 2 billion+ identities across hundreds of thousands of storefronts.

## Ecosystem-Neutral Architecture

Supports multiple-processors infrastructure and existing routing strategies, maintaining total flexibility and leverage without adding infrastructure complexity.

## Enterprise-Grade Security & Reliability

Built to meet the compliance, privacy, security, and uptime requirements of global enterprise retailers.

## Stop Letting Issuers Dictate Your Revenue

Opaque issuer models shouldn’t determine your top-line performance. See how Forter integrates with your existing payment infrastructure to recover declined revenue and improve authorization outcomes.