Intelligent acceptance

Optimized payment processing

Get a new level of payment performance with Intelligent Acceptance. Combines advanced AI, global network data, and deep payment expertise to increase conversion and unlock untapped revenue.

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End-to-end gains - big results

Calibrate every payment for success with optimizations across payment messaging, routing and retries, plus utilize Network Tokens, 3DS and new payment innovations to drive results.

Flexes to your needs

Want better cost control? conversion? or compliance? - set your payment performance to your business goals. Use on one, some, or all of your products.

X-factor experimentation

Tried and tested optimizations. Multivariate testing managed by AI continuously experiments across known and new mandates, regulation, scheme and issuer preferences so you never lose out.

Get started quickly

No additional integration, no operational overheads, no extra work required. Intelligent Acceptance comes out-of-the box and is ready to take your performance to new levels.

Trusted by leading brands

Results that count*

Here are some of the ways Intelligent Acceptance is setting a new standard in payment performance.

*Between 2022 & 2023 for BETA merchants

Works with one, some or all your payment products

Unlock performance without being locked in with a truly modular solution. Intelligent Acceptance can be applied to certain products or utilized as a performance layer across all your products.

What it does

End-to-end optimization

A payment can fail for many reasons. Intelligent Acceptance optimizes in real-time across payment messaging, routing and retries, plus uses new payment innovations to ensure the highest chance of success.


Automatically formats, amends, adds or removes SCA, ISO data and more to ensure your payments are formatted to scheme and issuers’ unique preferences.


Dynamically routes across debit, local or global payment networks based on your business goals, highest predicted conversion rate and the unique profile of the transaction.


Built-in retry logic overcomes common errors like outdated card information, insufficient funds*, SCA soft declines, PAN or Network Token preferences and technical errors.

Harness the latest payment innovations

New regulation, mandates and payment innovations can increase or impact your performance. Know what works between existing and emerging solutions.

Network Tokens (NTs)

Focus on conversion and cost. Intelligent Acceptance utilizes NTs to unlock cost efficiencies with issuers that have adopted and prefer this credential-sharing method. NT usage is continuing tested to stay on top of adoption.


Authenticate smartly. Intelligent Acceptance determines if SCA is needed, ensures all required information is included, selects the best-performing protocol version, and applies exemptions or frictionless flows based on your risk tolerance.

Risk scoring inclusion*

Reduce false declines. Intelligent Acceptance relays to issuers risk score data from our Fraud Detection product - giving them valuable input that can assist with payment acceptance decisions.

*Coming soon


Smart tools make sure nothing is left to chance

Performance shouldn't be impacted by incorrectly configured tech. Monitor your integration set-up and ensure end-point changes aren't hurting your business with our integration health tool.

Real-time health scoring

Assesses a range of variables and offers a percentage score based on the health 
of your traffic.

Actionable insights

Provides actionable insights on how to triage and decrease unhealthy traffic via your Dashboard.*


Delivers your integration health viability in your preferred channel, be it in the Dashboard, Reports or Webhooks. *Coming soon

“Since going live with Intelligent Acceptance, the conversion rate of payments processed on's rails has increased by over 9.5%. 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.”

Melissa Pottinger

Head of Partnerships, 
Reach, money transfer provider

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Ready for higher conversion rates and lower transaction fees?

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