Global Payments boosts approval rates with Visa
Global Payments Inc. (NYSE: GPN) announced today that its Adaptive Authentication solution now integrates Visa’s Intelligent Data Exchange (IDX) API. The update aims to boost approval rates while cutting back on avoidable customer disruptions for merchants operating in the U.S. and Canada.
The platform enables Global Payments clients to share richer transaction data with issuers, supporting more informed authorization decisions and reducing false declines. This helps maximize conversion and improve approval rates without adding checkout friction.
The Global Payments Adaptive Authentication platform’s addition of Visa IDX API extends its suite of intelligent authentication capabilities. Powered by AI, Adaptive Authentication dynamically selects the most effective authentication strategy for each transaction, using capabilities including 3D Secure, Data Only authentication, SCA Exemptions, and Visa IDX API. While Adaptive Authentication is available globally, Visa IDX API is initially available for eligible domestic U.S. and Canadian transactions.
John Winstel, senior vice president of Value Added Services at Global Payments, states that every time a legitimate customer has their transaction declined, it is a lost revenue opportunity. He notes that merchants need an intelligent approach to determine the right authentication strategy for every transaction.
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The addition of Visa IDX API to the Adaptive Authentication platform helps clients improve approvals, reduce friction, and deliver better customer experiences. This announcement builds on Global Payments’ ongoing investment in authentication optimization, which has helped merchants achieve approval-rate improvements typically ranging from four to six percent.
Cietan Kitney, head of product, North America, Visa, states that Visa Intelligent Data Exchange API provides issuers with richer transaction insights, helping merchants improve approval rates and reduce false declines. The collaboration with Global Payments advances a better approach to digital commerce authentication.
The expanded platform combines advanced fraud and risk capabilities from Ravelin with the scale of Global Payments, representing a step toward a more intelligent, data-driven future for digital commerce. Clients worldwide can access Adaptive Authentication and Data Only capabilities, with Visa IDX API providing enhanced optimization for domestic U.S. and Canadian payment flows.
