Using real-time data and smart technology that adapts to changing patterns, we’ll help you get more transactions approved first time, reducing false positives and lost sales.
Optimising payments is a balancing act
Approve too many risky transactions and fraud losses rise. Decline too many genuine payments mistakenly flagged as suspicious – a challenge known as ‘false positives’ – and you lose sales and loyal customers.
Our suite of payments optimisation products and services are designed to help you find the right balance and make the most of your payments.
What does payments optimisation mean?
Optimising payments isn’t just about authorisation rates and fraud prevention.
It’s also about unlocking new opportunities for your business.
Harness machine learning and advanced AI to detect and prevent fraud in real time. Use smart technology to learn how genuine customers behave and spot unusual patterns.
Streamline your operations with smart automation and transaction routing. We’ll help you spot inefficiencies and uncover missed savings in your payment flows.
Remove unnecessary checkout barriers for genuine customers while keeping security strong where it matters, using smart authentication and real-time risk analysis.
Offer currency conversion
Attract international customers and make it easier for them to pay in their preferred currency
Chargeback management
Cut losses and administration by resolving disputes fast, with Elavon experts taking care of your chargebacks
Flexible funding options
Benefit from reliable cashflow with next-day funding and instant settlement, knowing funds will be in your account when you need them.
Enable digital wallets
Never miss a sale, whether your customer prefers Apple Pay, Google Pay or other mobile wallets
Reporting data
See sales trends, optimise staffing and make smarter decisions about promotions and managing stock
Gain competitive edge
When payments are easy, customers come back and your business stands out from the competition.
Optimise with smart solutions
Security solutions
Fraud, fines and reputational damage can drain your profits. Make security part of your optimisation strategy to protect your payments and avoid expensive data breaches. We’ll manage the security, so you can keep growing sales without the hidden costs.
Transaction Risk Analysis
If your business has a high volume of low-risk transactions, Transaction Risk Analysis can help you make best use of Strong Customer Authentication exemptions up to €500 – and find the sweet spot between fraud management and improving your bottom line.
3-D Secure
Implementing 3-D Secure strengthens payment security, reduces fraud and keeps you aligned with legislation. It’s not just compliance with Strong Customer Authentication; it’s the gold standard for card authentication, protecting revenue and reputation.
“Keeping hotel operating costs low is one of our key priorities. Elavon has been a great partner, working with us to keep card commission charges as low as possible for our hotels.”
“Transaction Risk Analysis provides PUMA with a technical approach to optimise our payment strategy and customer experience, keeping authorisation rates high while reducing friction for payments rated as low risk.”
Your partners in payments optimisation
Our specialist optimisation consultancy is designed for online and remote-payment setups, helping you uncover hidden costs like interchange fees, cross-border charges and acquirer markups.
We’ll help you map how payments move through your business, review your sales data and suggest practical ways to cut costs. We’ll also guide you through managing chargebacks, currency conversion and alternative payment methods, so you’re ready to capture every sale.
Optimisation related resources
Smart, safer payments
Transaction Risk Analysis helps you reduce fraud and enjoy seamless online payments. Download our whitepaper to learn how TRA works and why it really matters for compliance and conversion.
Can smart sales reshape retail?
Are you navigating rising costs, tighter margins and changing shopper expectations? Optimising payments can help boost efficiency and unlock smart ways to run your business.
Payments Core 365
PC365 brings all your essential payments data together into a single file, helping you reconcile quickly, identify exceptions early and create dependable reports your business can rely on.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195 (menu option 2)
Telephone: Monday to Friday 8am-5pm
Chat: Monday to Friday 8am-6pm
Elavon technical support: 0818 20 21 30 (menu option 1)
24 hours a day, 365 days a year
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright© | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195 (menu option 2)
Telephone: Monday to Friday 8am-5pm
Chat: Monday to Friday 8am-6pm
Elavon technical support: 0818 20 21 30 (menu option 1)
24 hours a day, 365 days a year
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright© | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
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