## Never Lose a Good Customer to a Bad Decision

# Maximize Your Revenue With Real-Time Payment Routing Decisions

Today, the payment process is complex and inefficient, resulting in 1 out of every 10 legitimate purchases being wrongly declined. Declines often happen at the payment and bank level (e.g. issuer, acquirer, PSP, gateway), leaving merchants little visibility and control in determining whether a transaction is ultimately approved.

Some merchants manually configure payment routing rules to try and resolve this, but this is suboptimal because:

- Merchants lack the necessary payment ecosystem data and analytical resources to accurately determine the best payments routing
- Manually creating and managing payment rules requires significant resources and time

## Forter Smart Routing

Forter Smart Routing is the only solution that provides real-time, automated payment routing decisions that help merchants increase their authorization rates. Powered by advanced AI technology and a Global Network, Forter helps merchants prevent false payment declines and boost revenues by up to 5%.

### Fully Automated Decisions in Real-Time

Performance Monitoring & Benchmarking Dashboard

## Full Regulatory Compliance

Forter’s Global Network connects the entire payment ecosystem – issuers, acquirers, processors, gateways, and merchants – to build a trusted data network that helps each player improve their risk evaluations and authorization approvals at every step of the payment journey.

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Improving our approval ratio is a major focus for us, especially because we have legitimate transactions that are potentially being declined during the payment flow. With Forter, we have automated decisions that provide us with the best ways to process each transaction to boost approvals.

**Nitish Pandit | Senior Director of Finance**

## Core Capabilities

## Maximize Approvals With Real-Time Automated Payment Decisions

### Accurate Pre-Auth Fraud Prevention

Improve your business’ risk profile and increase your authorization rates by blocking fraudulent transactions before bank authorization.

### Dynamic 3DS

Increase conversions while meeting all risk and compliance requirements by triggering 3DS authentication only when required.

### Payment-Agnostic Smart Routing

Automatically determine the optimal processor for every transaction with advanced AI models to avoid manually managing routing rules, boost authorization rates, and minimize processing costs

### Decline Recovery

Recover legitimate transactions that would have been lost entirely after being declined during the payment flow. Merchants can recover up to 15% of their declined transactions.

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## Improve PSP and Issuing Bank Authorization Rates

Forter can provide data to a merchant’s processors and issuing banks to help them improve the accuracy of their risk assessments and reduce false declines, increasing authorization rates by 1.5%.

## Secure Your Checkout with PCI Compliant Tokenization

Securely store customer card data with Forter’s centralized, processor-agnostic tokenization. With Forter, merchants can work with any processor and fully optimize the payments flow.

## Manage and Analyze Payment Performance

Gain full visibility into all elements of your payments processing – from aggregate gives of your payments performance to deeper insights and KPIs (e.g. acceptance ratio by region, processor-level views of data, etc.)

6%
Bank Decline
!
!
3%
Fraud Decline
!
!

## Request a Live Demo [Request a Live Demo](https://explore.forter.com/smart-routing-demo/p/1)