Smart optimization of authentication requests

Last updated: July 19, 2023

Use our intelligent acceptance engine to automatically optimize your authentication requests. The engine analyzes global transactions and the impact on the different fields in order to achieve the highest acceptance rates possible.

In your Standalone API request, set the optimization.framework field to acceptance_rates. The engine will then use machine learning to look at field performance and adjust some values in the authentication request, thus optimizing for higher acceptance rates.


1{
2  "source": {
3    "type": "card",
4    "number": "4485040371536584",
5    "expiry_month": 1,
6    "expiry_year": 2030
7  },
8  "amount": 100,
9  "currency": "USD",
10  "authentication_type": "regular",
11  "authentication_category": "payment",
12  "optimization": {
13    "framework": "acceptance_rates"
14  },
15  "reference": "ORD-5023-4E89",
16  "transaction_type": "goods_service",
17  "shipping_address": {
18    "address_line1": "123 High St.",
19    "address_line2": "Flat 456",
20    "city": "London",
21    "state": "UK",
22    "zip": "SW1A 1AA",
23    "country": "GB"
24  },
25  "completion": {
26    "type": "non_hosted",
27    "callback_url": "https://example.com/sessions/callback"
28  }
29}

If you’ve performed an optimized payment request, you'll receive the following fields in the response:

Field name	Description
`optimization` object	The object that contains information about the optimization.
`optimization.optimized` boolean	Indicates whether the authentication was optimized
`optimization.framework` string	The optimization framework applied
`optimization.optimized_properties` object	The array of fields optimized by the optimization framework
`optimization.fields[].property_name` string	The name of the optimized authentication request property.
`optimization.fields[].optimized_value` string	The optimized value


1{
2  "optimization": {
3    "optimized": true,
4    "framework": "acceptance_rates",
5    "optimized_properties": [
6      {
7        "field": "challenge_indicator",
8        "original_value": "no_preference",
9        "optimized_value": "transaction_risk_assessment"
10      },
11      {
12        "field": "authentication_type",
13        "original_value": "regular",
14        "optimized_value": "recurring"
15      }
16    ]
17  }
18}

Smart optimization of authentication requests

Acceptance rate optimization

Request example

Optimization values

Response example