PRACTICAL TIP SHEET

Why 96% of merchants are adding acquirers

Improve approval rates, cut risk, and unlock better performance with a smarter acquiring strategy.

Three reasons why merchants are adding acquirers

96% of merchants plan to add one in the next 12 months. Here’s what’s driving the shift: 

Build resilience and reduce risk

  • Minimize reliance on a single provider
  • Introduce more acquirers to enable failover and continuity

Impact

Protect revenue and ensure business continuity.

Impact

Faster, smoother entry into new geographies and better results in existing ones.

Drive growth and expand more effectively into new markets

  • Leverage local acquirer coverage, improving acceptance rates
  • Navigate regional rules and regulations, schemes, and local preferences more easily

Improve performance and approval rates

  • Compare providers and enable intelligent routing
  • Reduce unnecessary declines

Impact

Higher conversions, increased revenue, and reduced cost.

5-15%

Top-performing acquirers deliver 5–15% higher acceptance rates than lowest performers in the market1.

The hidden cost of relying on a single acquirer

If you route everything through one acquirer, your setup is simpler to manage, but it introduces several challenges:

  • A single point of failure. Any outage hits revenue directly, not just operations.
  • Performance you can’t optimize. Approval rates vary widely by geography, and no single acquirer is the best fit for every market or use case.

What’s holding merchants back from optimizing acquiring?

Limited visibility into acquirer performance

  • No benchmarks to know how you’re really doing
  • Difficult to assess, compare, or improve cost or outcomes

Operational and compliance constraints

  • Complexity of managing multiple relationships
  • Expanding or optimizing often requires significant time, effort, and coordination across multiple areas of the organization

You don’t have to solve it all at once

For many merchants, these benefits are clear, but making a change can feel complex or risky. The trick is to start small: Focus on a specific use case, test it, prove the value before you scale and validate impact without disrupting your existing setup.

Common starting points:

Add a second acquirer

Protect revenue with failover and see how your current acquirer is really performing.

Enter a new market

Improve entry success with acquirers that understand local payment behaviors and requirements.

Test performance across providers

Surface hidden performance gains by testing, comparing, and routing transactions to the best -performer.

Expert tip: Switching even a small portion of volume for a test (e.g., ~30%) is enough to prove value before you expand.

ACI makes adding acquirers simple

The ACI ISO Acquirer Program lets you optimize your acquiring strategy without taking on the complexity to create a more resilient, flexible, and performance-driven acquiring strategy. The program helps merchants and PSPs:

  • Introduce and manage additional acquirers
  • Access pre-integrated, high-performing acquirers
  • Compare performance and optimize routing
  • Run it all through a single commercial and operational interface

Ready to improve your acquiring strategy?

Let’s evaluate your current setup, uncover performance gaps, and identify where smarter routing and additional acquirers can unlock measurable gains.

Sources
  1. ACI internal data