Worldline Launches AI-Powered Routing to Boost Payment Authorisation Rates

Worldline [Euronext: WLN], a global leader in payment  services, today announces the launch of its AI-powered routing solution, changing how  businesses route payments globally. Following successful pilots, the solution has delivered  increased authorisation rates by more than 2% in addition to the 3% improvement achieved  with its rule-based routing. Payments are routed through acquirers, and choosing the most suitable one leads to increased  authorisation and optimised costs. Worldline’s enhanced routing solution now leverages artificial  intelligence (AI) to analyse transaction data and select optimal payment routes in real time to further  uplift conversion rates. Some of the pilot merchants experiencing an uplift of over 2% in authorisation  rates (on top of 3% with rule-based routing). The existing rules-based solution routes transactions to  the acquirer with low interchange fee, with one customer witnessing a €1.63M boost in revenue.  By boosting authorisation rates and reducing cost, Worldline helps customers to maximise profit  margins with no extra effort. The solution offers a unique dual-layered routing strategy, combining the  reliability of predefined rules with the adaptability of machine learning. This allows businesses to  adjust their payment processes to fit specific operational needs.  Key features of the full solution include: 

• Omnichannel capability: the rules-based service can be used from multiple touchpoints for  both online and in store transactions. 
• Global reach: supports multi-currency, multi-acquirer environments with intelligent cross border payment handling. 
• AI-powered routing: this feature used global online businesses selects the most favourable  acquirers, increasing conversion rates. 

Khalil Kammoun, Head of shared services at Worldline, commented: “With AI-driven routing, we're  enhancing authorisation rates through smarter decision-making and unlocking new revenue for our  customers. At Worldline, we view payments as a growth driver for businesses and through this  solution, we are delivering on that promise. Our aim is to enable businesses to achieve new levels of  efficiency, cost savings, and payment optimisation.”  Worldline’s AI-based solution is already being used by global e-commerce customers and will soon  be available for other Worldline payment platforms. The solution positions Worldline as a trusted  innovator and leader in the global payments industry, setting a new benchmark for intelligent  transaction management.