If the underlying data submitted by a customer is incorrect (e.g. a mistyped card number), the customer will need to correct the payment information for the payment to succeed. Using an account updater (such as IXOPAY’s Account Updater) keeps credit card details up-to-date and ensures that card on file transactions do not fail because of changes to the underlying card details. This can be the case if the card has expired or has been reissued and eliminates the need to contact customers for updated payment details. If the card details are correct, using a local payment service provider will typically increase acceptance rates. Using a local provider avoids the risk that a transaction fails because the card is not authorized for international payment or because of overzealous risk and fraud management strategies. Working with multiple PSPs (multi-acquirer setup) in combination with smart routing allows you to route transactions to the PSP that is most likely to authorize a transaction. In most cases, this will be a local provider, though some PSPs are less risk-affine than others, and A/B comparisons can be a good way of deciding how to route your transactions to maximize your authorization rates.