Optimisation goes beyond approvals

This Insights series explores how merchants can unlock hidden revenue by optimising payment authorisation rates – covering strategies from smart routing and credential management to global localisation and executive-level performance insights.

A high authorisation rate is vital. But it’s only one piece of the puzzle. True payment optimization is broader. It’s not just about approvals. It’s about performance across the entire transaction lifecycle.

At Worldpay, we see authorisation rate uplift not as the end goal, but as the entry point. It’s a starting line for a deeper, data-driven optimisation strategy that spans fraud prevention, intelligent routing, credential management and conversion science.

When these levers work together, merchants unlock not just more transactions, but better outcomes: higher revenue, lower cost and stronger customer retention.

The case for a broader view

Let’s say you increase your authorisation rate by 2%. That’s a major win. But what if 1% of those approved transactions lead to chargebacks due to weak fraud filters? What if another 0.5% could have been routed more cost-effectively?

"The most effective merchants treat payments as a system, not a silo."

Optimisation isn’t just about approvals. It’s about maximising the value of each approved transaction while minimising associated risk and cost.

The most effective merchants treat payments as a system, not a silo. They’re constantly fine-tuning every lever to protect performance.

Four levers for full-funnel payment performance

Worldpay’s optimisation strategy rests on four core pillars:

1. Credentials: Keep payment data fresh and ready

Credential quality is foundational. Whether or not a transaction is happening, we ensure the latest and most accurate card data is always on file. Our tools – including tokenisation and account updater – help prevent declines from outdated or expired credentials, keeping transactions flowing and subscriptions alive.

2. Smart decisioning: Make the best call at the moment of truth

Once we’re confident in the credential, the next step is making the smartest possible decision at the time of authorisation. Our machine learning models analyse billions of transactions to inform real-time decisioning, adaptive retry logic and issuer-specific strategies that lift success rates.

3. Recovery: When Plan A fails, Plan B converts

Not all failed transactions are final. Our intelligent retry strategies and real-time recovery tools help merchants reclaim revenue that would otherwise be lost. This is where the focus shifts from initial auth rate to overall conversion rate – ensuring more customers complete their purchase, even after a decline.

4. Identify: Turn insights into action

Data is only powerful when it’s actionable. Our Identify suite delivers real-time reporting, customisable dashboards and deep transaction-level intelligence. Merchants use these insights to uncover hidden gaps, optimise performance and reduce costs across the board.

From friction to flow

Too often, merchants fixate on a single metric. But real-world performance comes from connecting the dots. Here’s how:

• A false decline prevented by better fraud tuning becomes a loyal customer
• A debit transaction routed to a lower-cost network cuts fees by up to 50%
• A card updated in the background keeps a subscription from failing
• Real-time insights help product teams improve checkout flows

Real results from real integration

A major digital marketplace working with Worldpay layered multiple optimisation levers: retry, dynamic routing and credential updates. Within 60 days, they saw:

• 8.1% increase in approval rate
• 12.7% drop in false declines
• $2.3 million saved in routing fees

Another merchant, a global retailer, used Worldpay’s Identify suite to discover that fraud rules were incorrectly suppressing approvals in a key region. With our help, they adjusted parameters and restored $7 million in monthly revenue.

Optimisation isn’t a project. It’s a practice.

Worldpay treats optimisation as a living discipline. One that evolves with network rules, issuer behaviours, consumer habits and fraud patterns. That’s why we offer:

• Continuous monitoring and performance tuning
• AI and ML tools that adapt in real time
• Human analysts who spot issues automation can’t
• Issuer partnerships that close the loop

Build a payment system that works harder

Payments should be more than a cost centre. Done right, they’re a growth engine – powering streamlined customer experiences and delivering measurable business results.

"Done right, payments are a growth engine."

Worldpay helps merchants take the long view. Yes, we’ll improve your authorisation rate. But more importantly, we’ll help you:

• Recover more failed transactions
• Lower total payment costs
• Reduce chargebacks and fraud losses
• Improve customer retention and LTV

It’s not just about getting more approvals. It’s about building a smarter, more efficient payments stack that drives growth at scale.

Previously in this series:

Part 3: Localisation unlocks global revenue

Tailoring your payments strategy to local preferences and regulations doesn’t just improve acceptance – it opens the door to scalable, sustainable global growth.

Coming up next:

Part 5: The C-suite’s guide to authorisation rates

Why CFOs and COOs should treat authorisation rates like margin or cost of acquisition – and how small gains can unlock millions in revenue.