Intelligent Acceptance

MAKE EVERY PAYMENT COUNT

Generate more profit with an AI-powered optimization engine that learns from billions of transactions to maximize acceptance and minimize costs.

Effortlessly boost performance

Unlock untapped revenue

Turn payments into a profit engine. Capture every viable payment and boost acceptance rates with real-time optimizations that format messages, find the best routing paths, and recover declines to increase the top line.

Minimize effort

Skip the burden of building and maintaining complex internal retry logic or static rules engines. Let AI drive optimizations for you with zero manual work, no coding, and no added integrations required from your team.

Adapt automatically

Don’t get caught out by black box issuer decisions. Stay ahead with AI models that continuously adjust to market trends, compliance updates, and shifts in global issuer preferences in under 150 milliseconds.

Strike your ideal balance

Capitalize on shared network fraud insights to lift acceptance safely. Intelligent guardrails let you define goals, so optimizations drive conversion upward without ever exposing your ecosystem to unnecessary risk.

Effortlessly boost performance

3.8%

saved per dispute through resolution automation

$20b+

reduction in time to refund customers

87M+

reduction in sales-to-chargeback ratio

$100M+

in incremental revenue captured by 12 major enterprises in 2025 alone

How Intelligent Acceptance engineers profit

Intelligent Acceptance moves your strategy away from rigid rules and to a dynamic ecosystem, analyzing billions of data points so every transaction is primed for success.

One transaction, multiple optimizations

Intelligent Acceptance makes hundreds of micro-decisions in milliseconds across five optimization families in a single pass.

Dynamic payload optimization

Smart adjustments to transaction fields and messages (like CVV and AVS) balance security, minimal friction, and maximum acceptance.

Smart authentication

Identifies if transactions need 3DS, applies the most effective protocol version, or requests SCA exemptions based on issuer preferences.

Adaptive token management

Automated selection of the optimal credential type (DPAN vs. FPAN) and provisioning logic maximizes transaction success.

Strategic routing

Finds the optimal path across local and global networks to hit your precise acceptance and cost balance.

Intelligent retries

Automatically recovers failed payments by adjusting the retry strategy based on the specific decline code and context.

Deploy the latest payment innovations

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

Network Tokens

Strike a 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 make for a straightforward 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 offers the most beneficial path based on your goals.

Modular optimization to fit 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.

Make payments faster. Smarter. More adaptive.

Find out how we can help your business go further.

case study

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 at Vinted