Worldpay Introduces an AI-Driven Service for Enhancing Authentication Processes.

2025-10-30

Worldpay has recently rolled out its Authentication Optimization Service, an innovative AI-driven tool aimed at boosting payment approval rates while minimizing the friction for online transactions that require 3DS authentication.

Service Overview

This service is specifically designed for merchants in regions not governed by 3DS regulations, providing a streamlined approach to handling global payment processes efficiently.

By utilizing advanced AI and analyzing data from billions of transactions processed through the Worldpay network, this service can make real-time authorization decisions. It intelligently routes transactions, implementing 3DS authentication only when necessary due to regulatory compliance or a high probability of issuer approval as predicted by AI.

Pilot Trial Results

The early-stage trials indicate the service’s effectiveness. A two-month trial with a significant cruise line, utilizing 3DS for every transaction, achieved an average 5.5% increase in authorization rates. Notably, there were considerable improvements in markets where stringent customer authentication is not mandated.

The AI-powered system also demonstrated minimal impact on fraud prevention; a single chargeback was reported over the two-month trial period for transactions that bypassed 3DS authentication.

Key Features and Benefits

Maximized payment approvals through adaptive AI analysis, which raises authorization rates while lowering decline rates.
Better customer experience by streamlining the checkout process and minimizing unnecessary authentication steps that can lead to cart abandonment.
Data-driven continuous improvement based on insights from billions of transactions, ensuring strategies for approval are constantly updated to adapt to changing market dynamics and issuer behaviors.
Easy integration with Worldpay’s 3DS Flex systems requires no additional software or data inputs from merchants.
Optimized fraud protection by maintaining high security standards through fully authenticated 3DS transactions while enhancing the smoothness of checkout for lower-risk payments.

Worldpay collaborates closely with partners, such as Visa, to ensure that its AI-driven solutions align with issuer risk management strategies while supporting merchant goals. The Authentication Optimization Service from Worldpay is poised to offer merchants a compelling solution in their pursuit of improved payment approval rates, reduced transaction friction, and robust fraud controls both domestically and internationally.