Nuvei Adds PINless Debit and Least Cost Routing to Boost Approval Rates in North America
Nuvei (NASDAQ:NVEI) has enhanced its Authorization Optimization Suite by adding PINless debit and Least Cost Routing capabilities in North America. The new features can improve authorization rates by up to 3.5 percentage points for applicable transactions, enabling merchants to bypass traditional card rails in favor of lower-cost local debit networks.
The company's smart routing engine leverages AI and machine learning to analyze transactions and determine optimal approval paths. Key features include Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens, and Smart Retry capabilities. The system is particularly relevant as debit transactions now comprise over 53% of online card volumes in North America.
Nuvei (NASDAQ:NVEI) ha potenziato la sua Authorization Optimization Suite introducendo funzionalità di PINless debit e Least Cost Routing in Nord America. Queste nuove caratteristiche possono migliorare i tassi di autorizzazione fino a 3,5 punti percentuali per le transazioni interessate, permettendo ai commercianti di evitare i circuiti tradizionali delle carte a favore di reti di debito locali a costi inferiori.
Il motore di routing intelligente dell’azienda utilizza intelligenza artificiale e machine learning per analizzare le transazioni e individuare i percorsi di approvazione ottimali. Le funzionalità principali includono Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens e Smart Retry. Il sistema è particolarmente rilevante poiché le transazioni con debito rappresentano ora oltre il 53% dei volumi di carte online in Nord America.
Nuvei (NASDAQ:NVEI) ha mejorado su Authorization Optimization Suite añadiendo capacidades de débito sin PIN y enrutamiento de menor costo en Norteamérica. Las nuevas funciones pueden incrementar las tasas de autorización hasta en 3.5 puntos porcentuales para las transacciones aplicables, permitiendo a los comerciantes evitar las redes tradicionales de tarjetas y optar por redes de débito locales de menor costo.
El motor de enrutamiento inteligente de la compañía utiliza IA y aprendizaje automático para analizar las transacciones y determinar las rutas óptimas de aprobación. Las características clave incluyen Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens y capacidades de Smart Retry. El sistema es especialmente relevante dado que las transacciones con débito ahora representan más del 53% del volumen de tarjetas en línea en Norteamérica.
Nuvei (NASDAQ:NVEI)는 북미 지역에서 PIN 없는 직불카드 및 최저 비용 라우팅 기능을 추가하여 Authorization Optimization Suite를 강화했습니다. 이 새로운 기능들은 해당 거래에 대해 승인률을 최대 3.5%포인트까지 향상시킬 수 있어 가맹점이 전통적인 카드 결제망 대신 비용이 낮은 지역 직불 네트워크를 이용할 수 있게 합니다.
회사의 스마트 라우팅 엔진은 인공지능과 머신러닝을 활용해 거래를 분석하고 최적의 승인 경로를 결정합니다. 주요 기능으로는 Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens, Smart Retry 기능이 포함되어 있습니다. 이 시스템은 직불 거래가 현재 북미 온라인 카드 거래량의 53% 이상을 차지하고 있기 때문에 특히 중요합니다.
Nuvei (NASDAQ:NVEI) a amélioré sa Authorization Optimization Suite en ajoutant les fonctionnalités de débit sans code PIN et de routage au coût le plus bas en Amérique du Nord. Ces nouvelles options peuvent améliorer les taux d'autorisation jusqu'à 3,5 points de pourcentage pour les transactions concernées, permettant aux commerçants de contourner les réseaux de cartes traditionnels au profit de réseaux locaux de débit moins coûteux.
Le moteur de routage intelligent de l'entreprise utilise l'IA et le machine learning pour analyser les transactions et déterminer les parcours d'approbation optimaux. Les fonctionnalités clés incluent Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens et Smart Retry. Ce système est particulièrement pertinent puisque les transactions par débit représentent désormais plus de 53 % des volumes de cartes en ligne en Amérique du Nord.
Nuvei (NASDAQ:NVEI) hat seine Authorization Optimization Suite in Nordamerika um PINloses Debit und Least Cost Routing erweitert. Diese neuen Funktionen können die Autorisierungsraten bei entsprechenden Transaktionen um bis zu 3,5 Prozentpunkte verbessern und ermöglichen Händlern, traditionelle Karten-Netzwerke zugunsten kostengünstigerer lokaler Debitnetze zu umgehen.
Die intelligente Routing-Engine des Unternehmens nutzt Künstliche Intelligenz und maschinelles Lernen, um Transaktionen zu analysieren und optimale Genehmigungspfade zu bestimmen. Zu den Hauptfunktionen zählen Intelligent Routing, PINless Debit Routing, Smart Auth Messaging, Network Tokens und Smart Retry. Das System ist besonders relevant, da Debit-Transaktionen mittlerweile über 53 % des Online-Kartenvolumens in Nordamerika ausmachen.
- Authorization rates improvement of up to 3.5 percentage points for applicable transactions
- Integration of AI and machine learning for optimized payment routing
- Potential cost reduction through lower-cost local debit networks
- Enhanced revenue recovery through Smart Retry capabilities
- None.
Insights
Nuvei's new routing features offer tangible authorization improvements, potentially boosting both merchant retention and North American market share.
Nuvei's addition of PINless debit and Least Cost Routing to its Authorization Optimization suite represents a significant technical advancement with measurable business impact. The 3.5 percentage point improvement in authorization rates is substantial in the payments industry, where even fractional improvements can translate to millions in recovered revenue for merchants and increased processing volume for Nuvei.
These enhancements address two critical merchant pain points simultaneously: approval rates and processing costs. By enabling transactions to bypass traditional card rails in favor of lower-cost local debit networks, Nuvei is positioning itself competitively in the increasingly important debit card segment, which now comprises over 53% of online card volumes in North America.
The technology stack Nuvei has built demonstrates sophisticated payment orchestration capabilities, particularly through its three-pronged approach: intelligent routing, authorization optimization, and smart retry logic. The AI-powered routing engine that analyzes issuer behavior, network logic, and regional preferences represents next-generation payment processing that can adapt to the complex and constantly changing payments ecosystem.
This release is strategically timed amid regulatory changes enabling multi-network routing in the U.S., allowing Nuvei to capitalize on market shifts while strengthening its North American presence. For merchants, the ability to prioritize either approval rates or cost efficiency provides valuable flexibility in managing payment economics.
The comprehensive suite of features—including network tokens, account updater, and bank failover routing—indicates Nuvei is taking a holistic approach to payment optimization rather than offering piecemeal solutions, potentially increasing merchant stickiness and reducing churn.
Enhancements across its Authorization Optimization Suite improve authorization rates by up to 3.5 percentage points, helping merchants recover lost revenue and accelerate growth
PINless debit and least cost routing are available now in the
"These enhancements give merchants access to debit networks that can deliver both higher approval rates and lower processing costs," said Phil Fayer, Chair and CEO of Nuvei. "Our smart routing engine gives merchants the flexibility to prioritize maximum approvals or cost efficiency based on their business objectives. It's about putting optimization in their hands and helping them turn payments into profit."
These enhancements are a key part of Nuvei's strategy to expand its footprint in
Smarter Routing That Drives Revenue
Nuvei's smart routing engine uses real-time AI and machine learning to analyze every transaction and determine the most effective path to approval based on issuer behavior, network logic, card metadata, and regional preferences. Key routing capabilities include:
- Intelligent Routing – Routes transactions through the best-performing bank or card network
- PINless Debit Routing (
U.S. ) – Routes eligible debit cards through lower-cost networks, with fallback to Visa/Mastercard
With debit transactions now making up over
Intelligent Authorization That Maximizes Conversion
Nuvei's intelligent authorization stack ensures that once a transaction reaches the right place, it has the highest possible chance of being approved. These features work together to reduce friction, resolve soft declines, and adapt in real time to issuer requirements:
- Smart Auth Messaging – Dynamically configures payloads and message formats based on issuer-specific logic
- Network Tokens – Increases issuer trust and compatibility through Visa and Mastercard network tokens
- One-Click Payments – Accelerates repeat transactions with frictionless token-based experiences
Smart Retry That Recovers Revenue Instantly
If a transaction fails, Nuvei's Smart Retry capabilities step in to recover revenue in real time, with no disruption to the customer experience. Built into the Authorization Optimization Suite, Smart Retry uses advanced decisioning logic to analyze failure reasons and automatically reattempt transactions through the most promising alternate paths.
Nuvei's Smart Retry engine includes:
- Account Updater – Automatically refreshes expired or replaced card credentials
- Bank Failover Routing – Routes the transaction to a backup bank or APM if the primary path declines
- Auth Reconfiguration – Modifies message format dynamically based on issuer response codes
Full Visibility and Control with AI-Powered Insights
Nuvei's Control Layer provides merchants with deep visibility into performance, real-time alerts, and actionable analytics. By combining AI-powered tools with expert human support, Nuvei helps businesses not only understand how their payments are performing, but actively improve them.
Key analytics and insights tools include:
- AI-Powered Approval Analysis – Automatically identifies unrealized approval opportunities by issuer, region, or transaction type
- Performance Insights & Trend Monitoring – Tracks improvements in authorization success over time
- Risk & Reporting Dashboards – Visualize fraud, scheme behavior, and exceptions in real time
About Nuvei
Nuvei is accelerating the business of clients around the world. Nuvei's modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 50 markets, 150 currencies and 720 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
For more information, visit www.nuvei.com
Contact:
Public Relations
alex.hammond@nuvei.com
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SOURCE Nuvei
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