You’re losing revenue at checkout. Find out where, in this webinar.

Most payment failures aren’t visible from a dashboard.

They sit buried in issuer-level data, hidden inside authentication flows, scattered across markets. A merchant can have a 90% approval rate and still be leaving millions on the table. That’s where payment optimization starts: finding the gaps your reporting doesn’t show you.

This webinar gets specific. ACI’s optimization team breaks down a real engagement with a global eCommerce retailer processing high volumes across dozens of markets. Here’s what they found:

What we’ll cover

• ~15% of US transactions were failing at authentication. Not because of fraud or demand. Certain issuers were declining transactions outright instead of triggering 3DS challenges.
• Limiting 3DS to high-risk regions and adjusting challenge strategies by issuer recovered €417K in month one. That scaled to €5M annualized.
• No rip-and-replace required. Each fix was phased, measured, and refined before scaling.

You’ll also hear how ACI’s team uses issuer-level analysis across 1+ trillion transactions to surface the specific friction points that aggregate reporting misses.

Key takeaways from the webinar:

Most payment issues start long before a transaction is declined

Payments optimization requires looking beyond approval rates and into issuer behavior, authentication flows, and market-level performance gaps.

Authentication friction is often the real problem

In ACI’s case study, nearly 15% of US transactions were failing during authentication because certain issuers declined transactions instead of triggering 3DS challenges.

Small changes can produce outsized revenue impact

Limiting 3DS to high-risk regions and adjusting challenge strategies recovered €417K in a single month and projected to €5M annually.

You don’t need a full platform replacement

The payments optimization work discussed in this webinar was phased, measured, and refined over time using the retailer’s existing infrastructure.

Good reporting doesn’t always mean strong performance

The most effective payments optimization strategies come from issuer-level and market-level analysis that standard dashboards rarely surface.