Increase payment acceptance – without checkout friction.

Issuer SCA enforcement, inconsistent 3DS behavior, and scheme or regulatory rules can turn legitimate purchases into soft declines, retries, and abandoned checkouts.

Most “optimization” tools can’t influence issuer approval decisions, so lost authorization revenue mounts quickly.

Routing alone doesn’t tell you when to step up with 3DS, when to go straight to authorization, or which exemption is actually eligible and likely to be accepted by the issuer.

Ravelin recommends the route with the highest chance of success – pre‑authorization – so you recover revenue while staying PS2/SCA compliant.

Our Transaction Optimization solution combines issuer intelligence, compliance logic, and risk signals to reduce unnecessary step-ups and help approve more transactions.