MAKE EVERY
PAYMENT COUNT

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

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.

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.

3.8%

saved per dispute through resolution automation

$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.

  • Adjust data to fit issuer and network preferences.
  • Find the best path across debit, local, or global networks.
  • Apply the right verification and exemption type.
  • Enhance security, increase acceptance, eliminate churn.
  • Automatically recover failed transactions in real time.

Harness the latest payment innovations and trends

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

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

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.

  • Effortlessly spot issues like missing fields or conflicting flags before they undermine revenue.
  • See transaction-level impact, unrealized acceptance basis points, and recommended fixes.
  • Track improvements over time and watch your acceptance climb while fraud-related declines drop.

Unlock your payments
potential today

Vinted x Checkout.com

Person holding a green Wise card

“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

Strategic Partnerships, Payments

Case study

Read more about how we made this possible with Wise here.

Learn more

Explore our resources

Explore more
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Blog

Building a modular payments infrastructure

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Blog

Payment API explained: Connect a payment gateway

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What is a payment gateway and how does it work?