Significant AI investment boosts transaction success for Ecommpay merchants
New proprietary AI-driven performance analytics engine improves payment success by 5-15%
In a market where a failed transaction is lost revenue and potentially a lost customer, inclusive global payments platform, Ecommpay, is on a mission to push checkout performance to its absolute limit. In 2025 alone, Ecommpay made a large investment in artificial intelligence to power improved payment performance for its merchant customers.
In Q1 2026, the AI-led platform helped Ecommpay achieve a 2.6% uplift in portfolio-wide transaction success rates for its merchant customers. It also delivered transaction success rate improvements of between 5% and 15% for individual clients. Based on current trajectory, the business is on track for a 10% improvement across its client portfolio by the end of 2026.
Critically, Ecommpay is putting the tech that drives payments at the centre of its operations, as demonstrated by the recent significant investment in AI tools to improve payment performance.
Ecommpay has developed a proprietary AI-driven performance analytics engine that goes far beyond conventional payment routing. The platform targets the three most prevalent sources of payment declines globally: 3DS authentication failures, fraud and suspicious transaction flags, and client-behaviour errors. For each category, Ecommpay has built dedicated AI models that – informed by direct collaboration with card issuers and grounded in established technical standards – help merchants align their configurations with issuer requirements and transaction processing logic, delivering clear, actionable guidance on where optimisation is needed
“Previously a team of analysts would manually review a sample of perhaps 50 to 100 transactions to identify pain points and potential for improvement,” explained Daniella Sjarki, Business Growth Specialist at Ecommpay. “Now our AI models process entire transaction data sets, encompassing tens of thousands of individual payments in a single pass. The system instantly identifies where the highest-impact problems lie, enabling engineers and analysts to direct their efforts in partnership with our merchant customers to where they will have the greatest effect on approval rates.”
Models that diagnose performance issues for existing clients are now being deployed predictively, allowing Ecommpay to model estimated approval rate improvements for prospective customers even before they go live.
Daniella Sjarki continued: “In a market where we believe only a small number of global payment processors are investing at this level, at Ecommpay we are making our most powerful capability a standard feature of every client relationship, not an optional extra. Our AI-powered platform enables merchants to act immediately without requiring deep technical expertise. This means merchants can see measurable uplifts in payment performance and a better customer experience.”
