Improving your authorization rates means more revenue and a higher conversion rate. There are a few strategies for increasing the authorization rate: Submit as much information as possible with your requests: including the full billing address with postal code and the card’s CVV can help increase the likelihood of a charge being authorized. Use a smart routing strategy to funnel payments through local payment service providers and/or those with the highest authorization rates. Local transactions are more likely to be approved by the issuing bank and using a local provider eliminates the risk of a charge being declined because international payments are blocked for the card in question.  Use A/B tests to determine the likelihood of different providers approving a transaction and optimize your smart routing strategy. Retry payment using an alternative service provider if the initial request fails and there is a chance of the payment being authorized. As different providers use different strategies to evaluate the risk of a transaction, one provider may decline a charge whereas another may accept it. Use risk management solutions to reduce fraud and keep chargebacks low. The higher a merchant’s chargeback rate (i.e. charges disputed by consumers), the more likely it is that transactions will be declined. Use an account updater to ensure that credit card information used in card on file transactions is accurate. If the card has expired or has been reissued, the charge will not be authorized. Offer payment methods that use 2FA. Authorization rates for digital wallets like Apple Pay and Google Pay are typically higher for this reason. Use SCA exemptions for low value transactions and only request authentication when necessary.