The Green Sheet Online Edition
August 25, 2025 • 25:08:02
Boost approvals, reduce costs with PINless debit, optimized routing
Nuvei expanded its Authorization Optimization suite with PINless debit and least cost routing, enabling merchants in North America to improve approval rates by up to 3.5 percentage points on applicable transactions while reducing payment processing costs.
The new capabilities, now live in the United States, allow eligible debit transactions to bypass traditional card rails in favor of lower-cost regional debit networks. The features build on Nuvei's investments in AI, machine learning and data analytics to optimize routing, enhance transaction flows and increase revenue recovery.
"These enhancements give merchants access to debit networks that can deliver both higher approval rates and lower processing costs," said Phil Fayer, chair and CEO of Nuvei. "Our smart routing engine gives merchants the flexibility to prioritize maximum approvals or cost efficiency based on their business objectives.
It's about putting optimization in their hands and helping them turn payments into profit."
Intelligent routing for evolving markets
Nuvei's smart routing engine uses real-time AI to analyze each transaction and determine the optimal approval path based on issuer behavior, network logic, card metadata and regional preferences. In addition to PINless debit routing with fallback to Visa or Mastercard, the engine supports intelligent routing through the highest-performing bank or card network.
With debit accounting for over 53 percent of online card volumes in North America, and recent regulatory changes enabling multi-network routing, Nuvei aims to give merchants a competitive edge without adding operational complexity.
Optimized authorization and revenue recovery
Nuvei's intelligent authorization stack incorporates dynamic payload configuration, network tokens and one-click payments to increase conversion rates.
Smart Retry capabilities recover failed transactions in real time, using tools such as account updater, bank failover routing and dynamic message reconfiguration.
Actionable insights and control
Merchants also gain access to AI-powered analytics, trend monitoring and real-time dashboards that visualize approval performance, fraud patterns and exception handling.
Nuvei's locally optimized routing and authorization tools are designed to help merchants navigate shifting regulations, changing issuer behavior and evolving consumer preferences to transform payment processing from a cost center into a driver of revenue and growth.
Find us at www.nuvei.com.
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