Nuvei today announced the addition of debit and minimum costs to the authorization optimization suite, improving the rate of authorization for traders in North America by up to 3.5 percentage points for applicable transactions.
It is now available in the US, allowing eligible transactions to bypass traditional card rails in favor of lower cost debit networks. Nuvei continues to invest in fundamental technology that uses artificial intelligence, mechanical learning and data analysis to improve payments, increase trading flows and optimize revenue recovery.
“These improvements give traders access to debit networks that can provide both higher approval rates and lower processing costs,” said Phil Fayer, president and chief executive of Nuvei. “The smart rout mechanism gives us traders the flexibility to prioritize maximum approvals or cost efficiency based on their business goals.
These improvements are a key part of Nuvei’s strategy to expand the footprint to North America providing local optimized performance. As regulatory changes, publisher’s behavior and consumer payment preferences are evolving throughout the area, Nuvei’s smart routing and authorization tools give traders the control and flexibility needed to promote higher approvals, lower costs.
Nuvei’s smart routing mechanism uses AI and real -time mechanical learning and mechanical learning to analyze each transaction and determine the most effective course towards approval based on publisher’s behavior, network logic, card metadata and regional preferences. Key routes include:
- Intelligent Routing-Trade Transactions through the Best Bank or Card Network
- Pinless without Pinless (US) Eligible debit cards via lower cost networks, with withdrawal to Visa/Mastercard.
Nuvei’s smart stack ensures that once a transaction reaches the correct position, it has the highest chance of being approved. These features work together to reduce friction, resolve soft reductions and adapt to real -time requirements:
- Smart Auth Messaging-dynamically regulates the beneficial loads and forms
- Network brands – Increases the publisher’s confidence and compatibility through tokens Visa and Mastercard Network
- Payments with one click-reinforcement of repetitive transactions with friction-based experiences.
If a transaction fails, Nuvei’s smart repetition opportunities go on to regain real -time revenue without a client’s experience. Embedded in the authorization optimization suite, Smart Retry uses advanced decision rationale to analyze the reasons for failure and automatically repeat transactions through the most promising alternative routes.
Nuvei’s smart repetition mechanism includes:
- Account Updater – Automatically renewed the expired card credentials
- Banks failure – routes the transaction to a backup bank or APM if the primary route is reduced
- Auth Reconfiguration – modifies the form of messages dynamically based on the publisher’s response codes.
Nuvei’s control layer provides traders deep visibility in performance, real -time alerts, and the details that can be activated. By combining the tools powered by AI with special support, Nuvei helps businesses not only understand how they make their payments, but to actively improve them.
Basic tools of analysis and ideas include:
- Approval analysis powered by AI-automatically identifies unpaid approval opportunities by the publisher, area or type of transaction
- Performance Monitoring and Trend Monitoring – Improvements in the success of authorization over time
- Risk and reporting tables – visualize fraud, shape behavior and real -time exceptions.