Turn authentication into conversion

Turn authentication into a conversion driver with our new optimization feature, part of the 3DS Flex service. Using data-driven intelligence, it evaluates each transaction in real time and chooses the most effective path to authentication - 3D Secure or data-only, based on issuer preferences and context. This helps you boost approval rates, reduce friction at checkout and lower fraud risk without compromising security. In non-mandated markets, you gain even greater flexibility to apply exemptions and minimize costs. Earlier results show a 5.5% increase in authorization rates in the US*.

*Source: Worldpay internal data, 2025

Get your payment credentials ready for agentic commerce with Vaulting-as-a-Service. Store card details securely and enable fast, pre-filled checkouts across any aquirer. Powered by our Forward API, this service delivers uninterrupted payment experiences.

We know how frustrating unnecessary declines can be. That's why we share key transaction data with card issuers in two ways:

* Through our Auth Max Preferred program, available exclusively to Worldpay customers, issuers can better recognize trusted transactions and ease certain decline rules when the risk is low.

* Through enhanced issuer data sharing feature, part of our fraud prevention service, to help reduce false declines in real time. Merchants can see 32% reduction in false declines on average*.

Keep your approval rates climbing and customers returning.

*Source: Worldpay internal data, based on Q3 2025

Stop complex fraud and account takeovers before they impact your business. Through our fraud prevention suite, fueled by AI and graph network technology from Ravelin, you can detect and block suspicious activity earlier in the customer journey - not just at checkout. These proactive defenses help reduce chargeback rates, recognize genuine consumers faster and protect your revenue.

Getting more payments approved shouldn't be complicated or costly. Our enhanced Boost service uses AI to maximize network token usage. This means, Worldpay not only manages the credential provisioning and storage, but also makes the best decisions on when and where to use them based on issuer performance. We’ve also added new routing capabilities for US debit transactions and continuously adapt based on issuer performance, experimentation and market changes.