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The business problem
The key payments challenge was maximising successful transactions across multiple jurisdictions.
Key challenges
Payment declines: legitimate customers could have transactions declined even when they had sufficient funds.
Payment churn: failed payments can translate directly into lost customers and revenue.
For an entertainment company, this means payments aren't simply a checkout function, they directly affect customer retention and lifetime value.
Merchant-acquiring solution
The merchant partnered with 3on-Pay, using our acquiring capabilities alongside gateway functionality and payment optimisation.
The main components were:
Direct/local acquiring: 3on-Pay has direct acquiring relationships globally, which allows our clients to process payments locally rather than relying entirely on cross-border acquiring.
Intelligent Acceptance: Payment traffic was optimised to improve the likelihood that legitimate transactions would be approved.
Retry optimisation: 3on-Pay and the merchant worked on retry management to avoid unnecessary retries and associated costs.
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