Smart technology to increase your sales

Payment technology can do more than manage your payments. Intelligently designed systems have the ability to not only increase your conversions but also provides various ways to optimise your payments journey resulting in security and growth for your business.

Smart routing for higher approvals

Channeling transactions in the right directions

Each transaction on your business platform needs to be approved by financial entities such as acquiring and issuing banks. SafeCharge uses smart routing technology that intelligently calculates various parameters and routes transactions to specific acquirers to maximise approvals. To ensure no transaction loss, soft declined transactions (tech failure, time-out etc) are automatically rerouted. For businesses with more than one acquirer, transactions can be routed based on ‘pricing’ or ‘acceptance rates’. The routing rules are designed as per individual business requirement.

Routing parameters

Card type


Geographical location

BIN number


Date in the month

Time of the day

Dynamic 3D secure

Increase conversions in a secure way

3D Secure acts as an extra layer of fraud prevention, but it does so without affecting your conversions. It dynamically routes only high-risk transactions for extra authentication. The interface is optimised for minimum abandonment, guiding customers through the process and allowing them to skip steps when possible in order to speed up the verification and complete the transaction.

  • Routes only high-risk transactions to 3D Secure
  • Dynamic skip option
  • Decrease declined ratio by routing specific low-risk transactions to non-3D Secure
  • Issuer shoulders the responsibility for chargebacks

Auto retry for recurring payments

Improving chances of transaction approval

Recurring businesses experience higher declines due to insufficient funds in customers’ accounts. For such businesses SafeCharge enables automated authorisation retries by resending the transaction for approval gain after a specific time. Data shows that a significant share of these transactions are approved on the second try.

 Increase your conversions with smart routing of payments

SafeCharge Limited is an Electronic Money Institution authorised and regulated by the Central Bank of Cyprus and is a principal member of MasterCard, Visa and Unionpay International (CUP). SafeCharge Financial Services Limited is authorised and regulated by the Financial Conduct Authority as a Payment Institution. Both SafeCharge companies are wholly owned by SafeCharge International Group Limited.