Case Study

Enabling 3X Cross-Border Conversion Rate Increase

The challenges facing PSPs, and by extension, their merchant customers, are easy enough to describe. But uncovering the root causes and implementing an action plan is easier said than done. One of ACI’s payment service provider (PSP) clients launched a new cross-border eCommerce solution for merchants looking to sell in Asia, Australia, Africa, Europe, North America and South America. As an ACI client, the PSP’s merchants had access to the full range of ACI’s tools, including ACI Fraud Management for Merchants, for increasing conversion rates.

The Challenge

Moneris needed to stay ahead of evolving core interchange requirements, reduce fraud and continue to provide top-tier customer service. When core interchange requirements changed, Moneris had to determine the best merchant acquiring back-end processing solution to support the new requirements and ensure the company’s long-term growth. The processor also needed to reduce fraud while providing top-tier customer service.

The Solution

After assessing the situation, ACI’s experts uncovered four major issues negatively affecting the conversion rate: an overly stringent 3-D Secure setup, merchants incorrectly using payment data fields for internal purchase reference information, an inadequate CSC setup and failing to validate data before it was sent to the acquirer. By taking action to correct each of these issues, ACI’s guidance helped the PSP’s merchants vastly improve conversion rates.

The Results

The problems the PSP and its merchants faced in their cross-border endeavors are common when expanding into relatively unfamiliar new markets. Every merchant had the tools needed to achieve a high conversion rate in every country, they only lacked a coherent and specific strategy to deal with the various situations. ACI’s expert guidance helped the PSP identify the problems and direct the merchants to take precise action using ACI tools, ultimately raising the overall conversion rate from 23% to nearly 72%.


Anonymous Payment Service Provider


Payment Service Providers


Asia Pacific
North America
South America