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

Smart 3DS routing

Increase conversions in a secure way

3D Secure acts as an extra layer of fraud prevention for payment transactions. SafeCharge Smart 3DS routes the transaction via 3DS2 or 3DS1 to enable frictionless experience whenever possible. Its online exemption submission engine takes decisions in real-time to enable higher authorisation rates.

  • Routes transactions to the right 3DS flow
  • Exemption management
  • Better security and better UX
  • Acquirer agnostic

Auto retry for recurring payments

Improving chances of transaction approval

Recurring or subscription billing 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 again after a specific time. Data shows that a significant share of these transactions is approved on the second try.

To find out more about recurring and subscription payments check out our Solution Portfolio.

Auto Retry

 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.