Merchant Transaction Approval Rate Optimization Best Practices

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1. Enable Digital Wallets (Apple Pay & Google Pay)

Compared to standard manual card entry, integrating digital wallets can significantly increase issuer trust and authorization conversion rates.

Performance Impact: Portfolio data shows that digital wallets play a highly significant role in boosting approval rates in Western markets. The conversion advantage is especially prominent for cardholder traffic in the European (EU) and United States (USA) regions.

Supported Card Schemes: Wallet integration currently supports only Visa and Mastercard. JCB and other card schemes are not yet supported.

Integration Methods:

2. Address Verification Service (AVS)

AVS compares the billing address entered by the cardholder with the information on file at the issuing bank to reduce fraud risk in card-not-present transactions and boost authorization confidence.

Core Markets: AVS is a crucial conversion booster in specific markets, with the most significant effects observed on traffic from the United Kingdom, Canada, and the United States.

How to Enable AVS via API

If you need to enable the AVS fraud prevention check, please complete the following configuration adjustments in your integration (we recommend verifying in the test/sandbox environment first):

1. Add and set the field "allowAvsCheck": true in the outermost layer of the request payload.
2. Accurately submit the cardholder's billing address by integrating the following complete fields:
   • userInfo.billingAddress.addressLine1
   • userInfo.billingAddress.postalCode
   • userInfo.billingAddress.city
   • userInfo.billingAddress.country
3. Ensure that the submitted address text format complies with standard specifications, avoiding special characters or misplacements.
4. The following AVS response-related fields will be added to the transaction Response and Webhook:
   • payment.pspTransInfo.avsCheckResultRaw
   • payment.pspTransInfo.avsCheckResult
     The validation results within these fields are uniformly parsed and processed by internal logic.
5. The transaction details page in the Merchant Platform will automatically activate and display a brand new AVS information module.

For details, please refer to: AVS（Address Verification Service）Function Description

3. EMV 3DS Minimum Data Requirements and Best Practices

High-quality transaction payloads can significantly reduce the false-positive rate of issuing banks' risk management, maximize the 3DS frictionless authentication flow, and lower the chargeback rate.

3.1 Minimum Mandatory Field Requirements (All Integrations)

According to the global compliance requirements of Visa and Mastercard, the following fields are the minimum mandatory items in standard 3DS transaction payloads for major regions (United States, Canada, Europe, APAC, Latin America). Submitting null values, fixed static fake values, or false test data is strictly prohibited.

3.2 Recommended Best Practices (Direct API Only)

In addition to meeting the minimum mandatory requirements, Direct API merchants are recommended to further supplement the payload with the following additional environment data. Providing this data helps issuing banks make more accurate decisions, thereby maximizing the payment approval rate.

Identity Data Elements

Account Information

Browser / Device Information

Note: The above best-practice fields are not mandatory, but supplementing them can effectively enhance the accuracy of issuing banks' authorization decisions. Merchants are advised to integrate them selectively based on business scenarios.

For detailed field information, please refer to: POST /payment

4. Smart Retry (Retry with 3DS)

This feature utilizes Evonet's smart retry engine to salvage transactions that issuers reject as "Soft Declines" (suspected fraud).

What Works: It provides a safety net without punishing good users. In our pilot, the engine processed normal transactions frictionlessly. It only triggered 3DS authentication when the issuer returned a soft decline.

Limitations: Because Evonet currently absorbs gateway fees without passing them to the merchant, executing multiple authorization attempts per transaction increases our internal cost base.

Best Practice Scenario: Target merchants who rely on a Non-3DS flow to maximize checkout speed, but suffer from high soft decline rates due to high ticket sizes or cross-border elements. It acts as a perfect middle-ground between high friction and high decline rates.

5. Network Token Optimization

Network tokens replace primary account numbers (PANs) with unique digital identifiers provisioned by the card schemes, ensuring payment credentials remain updated and secure.

Performance Insights: Platform data indicates that Network Tokens can drive a strong and sustained approval rate uplift compared to standard PANs, particularly for recurring business models. However, token performance can occasionally vary based on the specific card scheme, issuer compatibility, and routing region.

Best Practice Recommendations: For merchants with a high proportion of Card-on-File (CoF) transactions (e.g., subscriptions or returning customers), we highly recommend enabling Network Tokens. Evonet's intelligent routing engine will dynamically evaluate scheme performance and automatically route your traffic through either Network Tokens or standard PANs to guarantee optimal payment approval rates for your business.

6. 3DS Exemption for Low-Value US Card Transactions

Based on Evonet platform data, US card transactions often experience a notably higher approval rate when bypassing the 3DS authentication flow compared to 3DS-challenged transactions.

Risk Shift Considerations: Bypassing 3DS means the liability for fraudulent chargebacks does not shift to the issuing bank. Merchants must be fully aware of and willing to accept this risk.

Risk-Based Configuration: Depending on the merchant's specific risk appetite, the transaction amount threshold for 3DS exemptions can be strategically increased to maximize conversion.

Implementation: Upon merchant approval and agreement to the risk-shift conditions, Evonet will adjust the routing configuration accordingly to waive 3DS for eligible low-value transactions.

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一、启用数字钱包（苹果支付 & 谷歌支付）

与标准的手输卡号相比，集成数字钱包能够大幅提升发卡行的信任度及授权转化率。

性能表现：大盘数据显示，数字钱包在欧美市场具有极为显著的成功率提升作用。对于欧洲（EU）和美国（USA）地区的持卡人流量，其转化优势尤为突出。

支持卡组：目前钱包集成仅支持 Visa 和 Mastercard，暂不支持 JCB 等其他卡组。

接入方式：

二、地址验证服务（AVS）

AVS 通过比对持卡人输入的账单地址与发卡行系统留存信息，降低非面对面交易的欺诈风险，并增强授权信心。

核心市场：AVS 是特定市场极其重要的转化助推器，对于来自英国、加拿大和美国的流量效果最为显著。

如何通过 API 开启 AVS

商户如需启用 AVS，请在集成中完成以下配置调整（建议先在沙箱环境验证）：

1. 在请求报文的最外层结构中，添加并设置字段 "allowAvsCheck": true。
2. 准确上送持卡人账单地址信息，对应接入以下全量字段：
   • userInfo.billingAddress.addressLine1
   • userInfo.billingAddress.postalCode
   • userInfo.billingAddress.city
   • userInfo.billingAddress.country
3. 确保上送的地址文本格式符合标准规范，避免特殊符号或错位。
4. 交易响应和异步通知中将新增 AVS 应答字段：
   • payment.pspTransInfo.avsCheckResultRaw
   • payment.pspTransInfo.avsCheckResult
     校验结果由内部逻辑统一解析处理。
5. 商户后台交易详情页面将自动激活并展示全新的 AVS 信息模块。

具体请参考：AVS（Address Verification Service）功能说明

三、EMV 3DS 最低数据要求与最佳实践

高质量的交易报文能大幅降低发卡行风控的误判率，最大化 3DS 免密无摩擦流程（Frictionless），并有效降低拒付率。

3.1 最低必填字段要求（所有集成方式通用）

根据 Visa 与 Mastercard 的全球合规要求，以下字段为主要地区（美国、加拿大、欧洲、亚太、拉丁美洲）标准 3DS 交易报文中的最低强制必填项。严禁上送空值（Null）、固定静态假值或虚假测试数据。

3.2 最佳实践推荐（仅 Direct API 商户）

除满足最低必填要求外，建议 Direct API 商户在报文中进一步补充以下额外环境数据。提供这些数据能帮助发卡行做出更准确的决策，从而最大化支付通过率。

身份数据元素

持卡人账户信息

设备环境参数

注意：以上最佳实践字段并非强制要求，但补充完整后可有效提升发卡行授权决策的精准度，建议根据业务场景择优接入。

详细字段信息请参考：POST /payment

四、智能重试

该功能利用 Evonet 的智能重试引擎，挽回那些被发卡行以"软拒绝（Soft Decline）"（疑似欺诈）为由拒绝的交易。

生效机制：它提供了一道安全网，同时不会惩罚优质用户。在我们的试点中，该引擎对正常交易进行无摩擦处理，仅在发卡行返回软拒绝时才触发 3DS 认证。

局限性：由于 Evonet 目前自行承担网关费用而不转嫁给商户，每笔交易执行多次授权尝试会增加我们的内部成本基数。

最佳实践适用场景：适用于依赖非 3DS 流程以最大化结账速度、但因高客单价或跨境因素而面临高软拒绝率的商户。它是在高摩擦与高拒绝率之间的理想平衡方案。

五、网络令牌优化

网络令牌以卡组织签发的唯一数字标识符取代主账号（PAN），确保支付凭证持续更新且安全。

性能洞察：平台数据显示，与标准 PAN 相比，网络令牌能够带来强劲且持续的通过率提升，尤其适用于周期性业务模式。不过，令牌性能偶尔会因具体卡组织、发卡行兼容性及路由区域而有所差异。

最佳实践建议：对于 Card-on-File（CoF）交易占比较高（如订阅或回头客）的商户，我们强烈建议启用网络令牌。Evonet 的智能路由引擎将动态评估各卡组织表现，并自动将您的流量路由至网络令牌或标准 PAN，以保证您的业务获得最优支付通过率。

六、美国低价值交易 3DS 豁免

根据 Evonet 平台数据，美国卡交易在绕过 3DS 认证流程时，其通过率通常明显高于经历 3DS 挑战（challenge）的交易。

风险转移考量：绕过 3DS 意味着欺诈拒付的责任不会转移至发卡行。商户必须充分了解并愿意接受这一风险。

基于风险的配置：根据商户的具体风险偏好，可以有策略地提高 3DS 豁免的交易金额阈值，以最大化转化。

实施方式：在商户批准并同意风险转移条件后，Evonet 将相应调整路由配置，对符合条件的低价值交易免除 3DS。

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