The business problem
A cloud-gaming platform sells monthly subscriptions and digital game content to customers across several countries. Because payments come from many markets and devices, the company experiences declined transactions, complicated settlement, and difficulty supporting local payment methods.
Key challenges
Different card-issuer approval rates by country
Multiple currencies and settlement requirements
Subscription renewals and expired cards
Fraud and chargeback management
Need for local payment methods
Scaling without integrating separately
Merchant-acquiring solution
3on-Pay has enabled this merchant to adopt a multi-acquirer payment architecture. Our payment orchestration layer routes transactions toward suitable acquiring connections based on factors such as geography, payment method and historical authorisation performance.
Our Client, a cloud-gaming company, after utilisation of 3on-Pay and our solutions of orchestration, acquiring and fraud management, has reported a 3.5% improvement in payment conversion and €300,000.00 in annual expense reduction.
Cloud gaming is particularly relevant to payments because in-game transactions can be an important monetisation channel, and cloud-gaming providers can have different approaches to processing those transactions.
