Innovation Focus Emerging opportunities for every business
More ways to pay out
Enterprise businesses in the EU can send funds near-instantly with stablecoin payouts, offering greater optionality to beneficiaries. Fund your virtual account in fiat currency (USD) which is then converted to stablecoins and delivered to your beneficiary's designated wallet within seconds. No destination country or currency required.
Always-on payout reliability
We're continuously expanding our multi-partner network across account and wallet routes to help keep your payouts moving reliably as volumes and demand grow. With more partners available per route, you can deliver a consistent beneficiary experience and maintain strong success rates even during peak periods.
Routes that work for you
Our routing capabilities give US enterprise businesses greater flexibility to optimize their payment strategy based on what matters most:
- Cost-optimized routing dynamically directs transactions through the lowest-cost network, helping maximize savings and minimize processing costs.
- Approval-optimized routing uses real-time decisioning and AI to select the route most likely to result in a successful payment, considering multiple factors such as issuer behavior, risk signals, network performance and more.
All your credential needs, covered
With our unified API, you can centrally store and manage customer credentials across providers and channels. Keeping credentials portable helps reduce integration complexity and prevent vendor lock-in. Once connected, access to new credential types such as agentic tokens* becomes automatically available, helping your business prepare for the future.
* Agentic tokens are coming soon. Available for enterprise businesses.
Stop fraud before it strikes
Understand your fraud protection performance better so you can let more genuine customers in. Our new fraud portal helps you identify what's being blocked and why with detailed transaction-level data. Build and refine rules with AI - simply describe what you need in plain language and conditions will be automatically generated for you. Preview the estimated rule impact, identify risks to legitimate transactions and optimize performance with build-in suggestions.
*Available for enterprise businesses
Agent activity, now visible in your portal
Identify, track and manage agent-driven transactions directly in your enterprise fraud portal to stay informed and in control as agentic commence grows. Now you can:
- See whether an order was completed by an AI agent, which agent was used and any additional contextual details
- Build custom reports to understand how agent-led activity contributes to your business
- Create rules that incorporate agent involvement as a new condition
AI at your defense
AI-powered chargeback protection is now available for US-based platforms, helping their merchants defend disputes with minimal effort. Advanced machine learning and data enrichment capabilities automatically compile and submit the most relevant evidence for each case, helping improve win-rates and minimize fraud losses. Real-time visibility makes it easy to track recovery progress directly from the iQ portal.
Expand your reach with AI-powered commerce
73% are open to AI shopping with 40% saying a clear 'yes'. (Agentic Commerce Report)
As commerce journeys evolve and more people turn to AI-driven channels, we help you stay visible in places where consumers research and browse products. Through our ongoing partnerships with agentic commerce pioneers like OpenAI and Google, you can increase your product discoverability and expand your reach across emerging shopping experiences.
Advanced features to attract, engage, retain customers
Help your US business grow thanks to value-added features in the Genius Advanced and Complete plans. Get in front of the right audience, see how you compare to competitors and understand what’s driving your performance. Turn insights into action with built-in marketing and customer engagement capabilities to help strengthen relationships, build loyalty and drive better results.
