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Improve authorization rates with smart routing & 3DS | PayStream

PayStream

Improve authorization rates with smart routing & 3DS

Route by BIN/region/failure code and apply SCA only when needed.

Routing rules
BIN/region rules

Overview

Route by BIN/region/failure code and apply SCA only when needed.

Problem

Single‑PSP setups and blanket 3DS increase declines and friction.

Solution

PayStream routes traffic across PSPs based on rules and telemetry; triggers frictionless 3DS2 where eligible and challenges only when required.

How it works

Configure routing rules and issuer A/B tests. Monitor auth rate by BIN/PSP/region in InsightLake and iterate safely with throttles.

Who is this for

Payments Ops SRE / Platform

Expected outcomes

  • Higher approval rates with less friction
  • Operational resilience during PSP incidents

Key metrics

Auth rate lift

Baseline

0 pp

Target

2.5 pp

3DS challenge rate

Baseline

18 % of tx

Target

7 % of tx

Gallery

Routing rules
BIN/region rules

Downloads & templates

Case studies

EduSub boosts approvals

BIN‑aware routing improved auth by 3.1pp with fewer challenges.

EdTech SMB NA

Security impact

  • BIN prefix, region, risk flags (no PAN) · PII: none

Compliance

  • PSD2/SCA

Availability & next steps

Business Enterprise