Mastercard has announced the launch of its new Payment Optimization Platform (POP), a data-driven service designed to improve approval rates for merchants by making intelligent, real-time transaction decisions.
Early pilot results have shown a 9 per cent to 15 per cent increase in conversions, underscoring the platform’s potential to significantly enhance e-commerce efficiency.
Built as a network-based solution, POP leverages Mastercard’s global data network to enrich authorisation messages and improve transaction approval outcomes. The platform uses advanced analytics to help acquirers and merchants overcome the limitations of their individual ecosystems by providing insights drawn from billions of transactions across the Mastercard network.
In its pilot phase, Mastercard has partnered with leading payment providers including Adyen, NEOPAY, Tap Payments, and Worldpay, who will deploy the platform to deliver more seamless payment experiences, ensure service continuity, and generate incremental revenue.
The company also plans to integrate cutting-edge AI capabilities into the platform soon after pilot completion, further enhancing its predictive and optimisation capabilities.
“The Payment Optimization Platform is a game-changer – it provides our acceptance community partners with tools and intelligence to deliver the best payment experience and drive higher conversions,” said Sumeet Bhatt, Senior Vice President – Payment Optimization, Mastercard.
“We are excited to continue our pilot program to enable more successful transactions for merchants worldwide,” he added.
The platform’s AI models evaluate over a trillion combinations of transaction attributes in near real time to identify the most optimal authorisation path. Constantly learning and updating from evolving authorisation trends, POP delivers dynamic optimisation that enhances approval rates while maintaining a frictionless consumer experience.
By harnessing Mastercard’s unmatched transaction data and network intelligence, POP addresses one of the biggest challenges in global e-commerce, low payment approval rates due to incomplete or inconsistent transaction data.
With its global rollout planned for later this year, the Payment Optimization Platform is poised to become a cornerstone in Mastercard’s strategy to empower merchants, acquirers, and payment partners with smarter, data-driven transaction solutions.
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