Intelligent acceptance

MAKE EVERY PAYMENT COUNT

Automatically optimize every payment with Intelligent Acceptance – an AI engine designed to increase conversions and revenue.

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Unlock untapped revenue

Capture every possible payment and boost acceptance rates with real-time optimizations.

Minimize effort

Get hundreds of optimizations working for you with no manual work or additional integrations.

Automation

Adapt automatically

Stay ahead with models continuously adjusting to trends, regulations, and issuer preferences.

Strike your ideal balance

Capitalize on fraud insights to lift acceptance without being exposed to risk.

Results that count

Intelligent Acceptance is built to maximize payment performance and bring tangible revenue gains.

*Between 2022 & 2024 for Checkout.com merchants

3.8%

acceptance rate uplift on average across global brands

$10B+

in additional revenue generated for our merchants to date

60M+

optimizations performed daily to power leaps in transaction success

Fine-tune each step of every payment, in real time

Relevant optimizations are applied automatically to maximize the payment success rate.

Fine-tune each step of every payment, in real time

Adaptive messaging

Adjust data to fit issuer and network preferences.

Dynamic routing

Find the best path across debit, local, or global networks.

Smart authentication

Apply the right verification and exemption type.

Network tokens

Enhance security, increase acceptance, eliminate churn.

Intelligent retries

Automatically recover failed transactions in real time.

Harness the latest payment innovations and trends

Harness the latest payment innovations and trends

Optimize payment flows based on issuer preferences, regulatory requirements, and your goals

Network Tokens (NTs)

Striking perfect balance between acceptance, security, cost and user experience. Intelligent Acceptance applies Network Tokens when they are accepted by issuers and bring the highest chance of approval.

SCA exemptions

Make the most of 3DS without killing conversions. Relevant exemptions and authentication flows ensure seamless experience for legitimate users, leaving challenges for gray areas.

Pinless debit

Dynamically route transactions across local and global brands. Whether your focus is cost or approval rate, Intelligent Acceptance would offer the most beneficial path based on your goals.

Modular optimization fitting your needs

Enjoy full flexibility to optimize payments your way based on your payments stack, market needs, and consumer preferences. Intelligent Acceptance can be applied to certain products or act as a performance layer across your payment flow.

Modular optimization fitting your needs
smart tools

Close your data gaps and leave no payment behind

By focusing on data quality and traffic health, you can capture hidden revenue, ensure compliance, and deliver a seamless checkout experience.

Quick detection

Effortlessly spot issues like missing fields or conflicting flags before they undermine revenue.

Actionable insights

See transaction-level impact, unrealized acceptance basis points, and recommended fixes.

Trends monitoring

Track improvements over time and watch your acceptance climb while fraud-related declines drop.

Make payments faster. Smarter. More adaptive.

Find out how we can help your business go further.

Talk to our team

Vinted

x Checkout.com

Vinted

“Providing outstanding digital experiences is central to our mission of making second-hand first choice at Vinted. Checkout.com’s advanced technology and deep knowledge of European and the UK markets have been key to helping us achieve this, enabling us to scale with confidence and deliver the high-performance payments our users expect.”

Greta Atminaitė

Greta Atminaitė

Strategic Partnerships, Payments

Case study
Read more about how we made this possible with
Vinted
here.
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Ready to drive more revenue with payments optimized for growth?

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