--- title: "Payment Authorization Optimization: Increase Approval Rates | Inovio" description: Inoviopay’s authorization optimization software can help approve more transactions with less risk. --- [![Inovio logo](https://www.inoviopay.com/hubfs/inovio-logo-footer.png)](https://www.inoviopay.com/) - [Payment](https://www.inoviopay.com/payment) - [![International Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/international-ico.webp) International Go global with secure payment acceptance for virtually every currency. ](https://www.inoviopay.com/payment/international) - [![Web3 Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/web3-ico.webp) Web3 Experience the future of payments as blockchain technology meets our next-level software development. ](https://www.inoviopay.com/payment/web3) - [![Payment Gateway Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/payment-gateway-ico.webp) Payment Gateway Access a flexible payment gateway that’s secure and scalable. ](https://www.inoviopay.com/payment/payment-gateway-open-api) - [![Hosted Checkout Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/hosted-checkout-ico.webp) Hosted Checkout Let us host your checkout page for you — one that blends seamlessly with your website. ](https://www.inoviopay.com/payment/hosted-checkout) - [![Recurring Subscription Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/recurring-subscription-ico.webp) Recurring Subscription Streamline your checkout with solutions for recurring and subscription-based payments. ](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/features) - [![Security Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/security-ico.webp) Security Get peace of mind with support for 3-D Secure, certified P2PE, PCI compliance, and more. ](https://www.inoviopay.com/features/security) - [![Risk management Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/risk-management-ico.webp) Risk management Reduce fraud, minimize chargebacks, create whitelists and blacklists, and more. ](https://www.inoviopay.com/features/risk-management) - [![Reporting Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/reporting-ico.webp) Reporting Create customizable, actionable reports to track your sales, inventory, and more. ](https://www.inoviopay.com/features/reporting) - [![Integrations Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/third-party-integrations-ico.webp) Integrations Enjoy seamless integration with leading third-party payment and CRM solutions. ](https://www.inoviopay.com/features/third-party-integrations) - [![White Label API Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/flexible-white-label-api-ico.webp) White Label API Integrate custom-branded payment processing into your app, platform, or website. ](https://www.inoviopay.com/features/flexible-white-label-api) - [![Authorization Optimization Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/authorization-optimization-ico.webp) Authorization Optimization Increase approvals with Transaction Recycling and Intelligent Transaction Routing. ](https://www.inoviopay.com/features/authorization-optimization) - [![Multi-Currency Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/multi-currency-ico.webp) Multi-Currency Accept your international customers’ local currencies while getting paid in yours. ](https://www.inoviopay.com/features/multi-currency) - [![Fraud Reduction Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/fraud-reduction-ico.webp) Fraud Reduction Reduce fraud while protecting sensitive cardholder data and your profits. ](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/industries) - [![Retail Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/retail-ico-1.webp) Retail Optimize your retail business’ payments and operations. ](https://www.inoviopay.com/industries/retail) - [![High risk Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/high-risk-ico.webp) High Risk Enjoy high approval rates for merchants in hard-to-place categories. ](https://www.inoviopay.com/industries/high-risk) - [![Medicinal Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/medicinal-ico.webp) Medicinal Let us simplify your payments so you can focus on your patients. ](https://www.inoviopay.com/industries/medicinal) - [![SaaS Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/saas-ico.webp) SaaS Automate recurring billing/subscription management through your software. ](https://www.inoviopay.com/industries/saas) - [![Education Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/education-ico.webp) Education Streamline tuition collection for your school or educational program. ](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/features/authorization-optimization#) - [![Contact Us Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/contact-us-ico.png) Contact Us Get in touch with Inovio. ](https://www.inoviopay.com/features/authorization-optimization#) - [![Partners Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/partners-ico.png) Partners Experience the flexibility of our partnership programs. ](https://www.inoviopay.com/partners) - [![About Us Icon](https://www.inoviopay.com/hubfs/Inovio/about-ico.png) About Us Discover the industry’s most intelligent global payment platform and gateway. ](https://www.inoviopay.com/about) - [![Blog Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/blog-ico.png) Blog Get all the latest payment technology tips and trends with Inovio Insights. ](https://www.inoviopay.com/blog) - [System Status ](https://paymentshub.statuspage.io) - [North.com ](https://north.com) - Get Started - [Payment](https://www.inoviopay.com/features/authorization-optimization#) - [←](https://www.inoviopay.com/features/authorization-optimization#) - [Payment](https://www.inoviopay.com/payment) - [International](https://www.inoviopay.com/payment/international) - [Web3](https://www.inoviopay.com/payment/web3) - [Payment Gateway](https://www.inoviopay.com/payment/payment-gateway-open-api) - [Hosted Checkout](https://www.inoviopay.com/payment/hosted-checkout) - [Recurring Subscription](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/features/authorization-optimization#) - [←](https://www.inoviopay.com/features/authorization-optimization#) - [Features](https://www.inoviopay.com/features) - [Security](https://www.inoviopay.com/features/security) - [Risk Management](https://www.inoviopay.com/features/risk-management) - [Reporting](https://www.inoviopay.com/features/reporting) - [Integrations](https://www.inoviopay.com/features/third-party-integrations) - [White Label API](https://www.inoviopay.com/features/flexible-white-label-api) - [Authorization Optimization](https://www.inoviopay.com/features/authorization-optimization) - [Multi-Currency](https://www.inoviopay.com/features/multi-currency) - [Fraud](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/features/authorization-optimization#) - [←](https://www.inoviopay.com/features/authorization-optimization#) - [Industries](https://www.inoviopay.com/industries) - [Retail](https://www.inoviopay.com/industries/retail) - [High Risk](https://www.inoviopay.com/industries/high-risk) - [Medicinal](https://www.inoviopay.com/industries/medicinal) - [SaaS](https://www.inoviopay.com/industries/saas) - [Education](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/features/authorization-optimization#) - [←](https://www.inoviopay.com/features/authorization-optimization#) - [Contact Us](https://www.inoviopay.com/features/authorization-optimization#) - [About Us](https://www.inoviopay.com/about) - [Blog](https://www.inoviopay.com/blog) - [Partners](https://www.inoviopay.com/partners) - [System Status](https://paymentshub.statuspage.io) - [North.com](https://north.com) ![Inovio logo](https://www.inoviopay.com/hubfs/Group%2029234.png) - Close We're here to help! If you’ve made it this far, you’re the smart and savvy type we love doing business with. Contact us by calling [866-267-2246](tel:8662672246), emailing [info@inoviopay.com](mailto:info@inoviopay.com?subject=InovioPay.com%20Contact%20Form), or filling out the form. [Home](https://www.inoviopay.com/) › [Features](https://www.inoviopay.com/features) › Authorization Optimization ## Optimization that goes above and beyond. We’ve designed our authorizations for higher-than-standard risk. We bring more data, a greater depth of experience that translates to higher first-time authorization rates, fraud protection that’s balanced and powerful, and intelligent routing built for an ecommerce world. It adds up to an upgraded experience for your customers — and a higher grade of performance for your business. [Explore                           ›](https://www.inoviopay.com/features/authorization-optimization#) ## How we improve your payments. A bank can decline a transaction for a number of reasons: insufficient funds, unpaid bills, and, especially, fraud. Reauthorize declines with Transaction Recycling. Inovio’s tech-forward education payment processing makes it easier than ever to accept payments online. Your merchant account will allow you to accept ecommerce transactions directly on your website with our Hosted Payment Form. Or, on a custom-branded Hosted Checkout Page that we host for you. Increase approval ratios with Intelligent Transaction Routing. This process enables automatic transaction routing between multiple acquiring banks, which improves the success rate of payment conversions — including declines, failovers, and recurring payment retries. Avoid payment disruption with Auto Account Updater. Many times declines are the result of expired or incorrect customer account information — especially with recurring payments and other “set it and forget it” payment types. With our auto updater feature, customers can quickly, easily, even automatically keep their payment information current — and that reduces declines. [Explore                           ›](https://www.inoviopay.com/features/authorization-optimization#) ## Fighting fraud. Our system can quickly identify if a decline stems from fraudulent activity and take measures to protect you and your customers. It’s just one way our system fights fraud. We even give you the ability to control the number of authorizations attempted — a powerful tool in fighting one of fraudsters’ favorite tricks: Card testing. If we determine that fraud isn’t at the root of a decline, we can search for a path forward. Inovio’s authorization optimization exhausts every valid avenue to deliver your business a successful transaction. ## Multi-currency conversion. Wherever you’re getting ecommerce done, we speak the language. We deal with 179 global currencies. We give you the power to create meaningful pricing wherever you’re selling, priced in the native currency. Charge customers in their native currency, get paid in yours. ![Group 30760-img](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Group%2030760.webp?width=1108&height=311&name=Group%2030760.webp) [Explore                           ›](https://www.inoviopay.com/features/multi-currency)   ## A better way to process payments. Like our white-glove service and support, authorization optimization is another way that Inovio goes the extra mile in delivering you an exceptional payment processing experience. A world-class gateway is the heart and soul of Inovio — but it’s our enhanced services and resources that truly set us apart. Discover the Inovio difference. [Explore                           ›](https://www.inoviopay.com/payment/payment-gateway-open-api)   ## Frequently Asked Questions ### What is authorization optimization? Banks may decline a transaction for a number of reasons: insufficient funds, unpaid bills, expired payment information, and, especially, fraud. Authorization optimization is a series of strategies designed to refine procedures and reduce declines. The benefit is a higher rate of authorizations — or approvals — during the payment process. ### How are authorization rates improved? Rates are elevated through tactics such as keeping customer and payment information up to date, employing state-of-the-art fraud detection, and streamlining checkout processes to minimize declines and improve customer experience. ```json { "@context" : "http://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : { "@id" : "https://www.inoviopay.com", "name" : "Home" }, "position" : 1 } ] } ```