The Investor
09 Nov 2026, 19:27
Global Payments Expands AI-Powered Authentication Platform With Visa IDX Integration
Global Payments (NYSE: GPN) expanded its Adaptive Authentication platform with Visa Intelligent Data Exchange API, aiming to improve transaction approval rates while reducing false declines and checkout friction for merchants in the U.S. and Canada.
The enhanced platform uses AI to select the most effective authentication strategy for each transaction, drawing on capabilities including 3D Secure, Data Only authentication, SCA exemptions and Visa IDX API.
By sharing richer transaction data with issuers, Global Payments said merchants can support more informed authorization decisions and improve conversion without adding unnecessary customer challenges.
The company said previous deployments of Data Only authentication and its AI-powered optimization model have typically improved merchant approval rates by 4%-6%, helping recover legitimate transactions that might otherwise have been declined.
Visa IDX API is initially available for eligible domestic transactions in the U.S. and Canada, while Global Payments’ broader Adaptive Authentication and Data Only capabilities are available globally.
The expansion strengthens Global Payments’ value-added services strategy by combining AI-driven authentication optimization with fraud and risk capabilities from Ravelin, giving merchants a more integrated approach to authorization, fraud prevention and digital checkout performance.
Global Payments (NYSE: GPN) expanded its Adaptive Authentication platform with Visa Intelligent Data Exchange API, aiming to improve transaction approval rates while reducing false declines and checkout friction for merchants in the U.S. and Canada.
The enhanced platform uses AI to select the most effective authentication strategy for each transaction, drawing on capabilities including 3D Secure, Data Only authentication, SCA exemptions and Visa IDX API.
By sharing richer transaction data with issuers, Global Payments said merchants can support more informed authorization decisions and improve conversion without adding unnecessary customer challenges.
The company said previous deployments of Data Only authentication and its AI-powered optimization model have typically improved merchant approval rates by 4%-6%, helping recover legitimate transactions that might otherwise have been declined.
Visa IDX API is initially available for eligible domestic transactions in the U.S. and Canada, while Global Payments’ broader Adaptive Authentication and Data Only capabilities are available globally.
The expansion strengthens Global Payments’ value-added services strategy by combining AI-driven authentication optimization with fraud and risk capabilities from Ravelin, giving merchants a more integrated approach to authorization, fraud prevention and digital checkout performance.
