Unlocking New Horizons

Optimizing Every Aspect of Payment Processing
Calibrate each payment for success through comprehensive optimizations spanning payment messaging, routing, and retries. Leverage Network Tokens, 3DS, and the latest payment innovations to yield exceptional results.
Flexibility at Your Fingertips
Customize your payment performance to align with your unique business objectives. Whether you prioritize cost control, conversion rates, or compliance, Intelligent Acceptance can be tailored to meet your specific needs across one, some, or all of your Checkout.com products.
Empowered by Experimentation
Benefit from tried and tested optimizations driven by AI. Our multivariate testing continuously experiments across known and emerging mandates, regulations, scheme preferences, and issuer behaviors, ensuring you never miss out on growth opportunities.
Get Started with Ease
No additional integration, operational overheads, or extra work required. Intelligent Acceptance comes ready to use out-of-the-box, instantly elevating your payment performance to unprecedented levels.

End-to-End Optimization
Enhancing Every Step of the Payment Journey
Payments can fail for various reasons, but Intelligent Acceptance ensures real-time optimization across payment messaging, routing, and retries. It incorporates new payment innovations to maximize the likelihood of successful transactions.
Optimized Messaging
Precision in Every Transaction
Intelligent Acceptance automatically formats, amends, adds, or removes SCA, ISO data, and more to ensure your payments align with scheme and issuer preferences, improving your acceptance rates.



Dynamic Routing
Efficiency Through Dynamic Choices
Dynamically route transactions across debit, local, or global payment networks based on your business goals, predicted conversion rates, and transaction profiles, optimizing your routing strategy.
Built-in Retries
Overcoming Common Challenges
Built-in retry logic conquers common errors such as outdated card information, insufficient funds, SCA soft declines, PAN or Network Token preferences, and technical issues, ensuring smoother transactions.



Risk Scoring Inclusion
Reducing False Declines
Intelligent Acceptance shares risk score data from our Fraud Detection product with issuers, reducing false declines and assisting with payment acceptance decisions.
Intelligent Acceptance can transform your payment landscape and unlock new possibilities for your business.