Intelligent Acceptance – AI-powered optimization

[ad_1] has launched Intelligent Acceptance, its latest product to help merchants optimise acceptance rates and grow revenues. launches Intelligent Acceptance

Intelligent Acceptance is an AI-powered optimisation engine, trained on billions of transactional data points from’s global network and insights from the business’ domain expertise.

The new product has so far achieved meaningful results for merchants during beta testing, enabling transactions that created c.$750 million of new revenue, and increasing the acceptance rates by up to 9.5 percentage points for over 30 merchants including the likes of Klarna, Ant Group, NordVPN, Reach and Sunday.

“Since going live with Intelligent Acceptance, the authorization rate of payments processed on’s rails has increased by nearly 10%. In a game where small improvements drive big impact, this performance improvement is colossal for our business and, crucially, for our client’s bottom line,” comments Melissa Pottenger, Head of Key Partnerships at Reach.

Intelligent Acceptance optimises across the complete payment flow, including pre-processing aspects like messaging & routing and post-processing with adaptive retries.

Merchants also have complete control over which stage of the transaction journey is improved and the criteria that Intelligent Acceptance optimises for, including; maximising acceptance rates, lowering transaction costs, or both.

Through continuous live adjustments, learning from performance data across’s global network and direct relationships with issuers, schemes and regulators, Intelligent Acceptance continually unlocks new optimisations to deliver incremental performance improvements.

Optimisation examples:

  • Acceptance: Network Tokens can offer better acceptance rates, lower interchange fees and a more secure way to share card information. However, not all issuers adopt this credential-sharing method at the same time. Intelligent Acceptance only utilises Network Tokens if the issuer supports them and the predicted cost is lower, or chance of success is higher, than PAN credentials. Additionally, Intelligent Acceptance will automatically format, amend or add SCA, ISO data and more to ensure payments are formatted to scheme and issuer’s preferences.
  • Cost: Intelligent acceptance can also be used to drive down costs by dynamically routing transactions to the network with the lowest fees, in markets where multiple debit, local or global payment networks are available – such as the US.
  • Compliance: Intelligent Acceptance instantly identifies if a transaction requires 3DS authentication, and if it has not been triggered in the initial payment request, available 3DS authentication data is automatically added to the payment request to ensure the transaction is compliant.

False declines are a $50.7 billion problem

The launch comes at a time when business leaders seek to drive new revenue and make cost efficiencies across their businesses to reconcile increased operating expenses.

Intelligent Acceptance can reduce the number of incorrectly declined transactions through continuous testing, but can be configured to lower transaction fees and reduce operational overheads.

Research conducted by alongside Oxford Economics found that $50.7 billion was lost in 2022 due to false declines, where a customer with enough funds in their account has a purchase declined.

As a result, close to 25% of consumers abandoned a purchase due to too much friction, resulting in significant lost revenue for merchants.

“Klarna benefits from the improved authorisation rates thanks to the adjustments made in the background, which would otherwise result in lost volume,” says Tomer Turbovich, Senior Engineering Manager & Money Movements account group lead at Klarna.

“On top of that, Intelligence Acceptance helps to minimise extra payment costs applied by schemes due to the same transaction being processed in a manner which does not fit in issuer preference. Improved acceptance rates resulting in better customer experience, and reduced payment fees are main benefits of the tool.”


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