Sandbox
Production
Ways to Accept Payments
Cross-Border Payments
Payment Optimization
Payment Types & Currencies
Compliant Surcharging
Fraud Prevention
Chargeback Management
Compliance
Payment Analytics & Reporting
POS Systems
Flexible Payment Monetization
White Label Payment Solutions
Fast Merchant Onboarding
Global Payment Optimization
Global Payouts
Built-In Payment Orchestration
Expert Platform Support
Tailored Risk Management
Payment Operations Tools
Accounts Receivable Automation
Subscriptions & Recurring Billing
Invoice Payments
Virtual Terminal
Payment Optimization Tools to Improve Authorizations & Reduce Costs
Built-In Tools for Higher Authorizations
BlueSnap, powered by Payroc, has a suite of tools to help you increase your revenue up to 12% and reduce costs. With BlueSnap’s Intelligent Payment Routing, transactions automatically route to minimize declines and maximize gains. Along with features such as Level 2 & Level 3 data and Visa CEDP processing, 3-D Secure, and tokenization and encryption, we can help you get the most out of payment optimization.
12%
BlueSnap customers see up to a 12% growth in revenue by increasing their authorization rates.
How Your Business Benefits from Payment Optimization
Increase Authorization Rates
Decrease Checkout Abandonment
Avoid Cross-Border Fees
Reduce Technical Debt
Intelligent Payment Routing for Sustained Revenue Growth
With BlueSnap’s Intelligent Payment Routing, our processing engine automatically analyzes buyer characteristics – such as currency, issuing country and payment type – to route the payment to the bank most likely to approve that specific transaction. This minimizes declines and maximizes revenue gains, growing your sales — now that’s payment optimization!
Increase profit margins by 6% on average by reducing fees.
Reduce Your Costs with Local Acquiring
Capturing global sales can expand your business and increase your revenue, and we understand what it takes. With BlueSnap, we eliminate cross-border challenges, enabling you to fully capitalize on customers in other regions. You can accept payments in over 200 geographies, take advantage of our global network of banks and benefit from local acquiring in 50 countries. With local acquiring, your authorization rate increases, and you and your customers avoid unnecessary fees.
Features
Intelligent Payment Routing
BlueSnap ensures successful conversions by routing payments to get the highest approval rate. And, when a payment isn’t approved, it’s automatically retried to capture more sales.
Level 2 and 3 Data Processing
We support Level 2 & Level 3 data and Visa CEDP processing to provide robust insight into charges resulting in lower costs per transaction for you.
Tokenization
Simplify PCI requirements, earn repeat customers and increase authorization rates with multiple levels of tokenization.
3-D Secure
3-D Secure provides Strong Customer Authentication (SCA) for online payments to protect your business and reduce your exposure to fraud.
Account Updater
Keep your shoppers’ subscription payment and card-on-file information up-to-date so you don’t lose sales when their card expires or changes.
Speak with a Payments Expert
At BlueSnap, we know payments. We’d love to help you strategize about how your business can get the most out of payments.
Native Integrations with Your Existing Systems
Reduced Checkout Abandonment for Increased Revenue
You don’t want to spend all the time to get shoppers to make a purchase just to lose them when they abandon at checkout because they don’t see the ways they want to pay. 56% of companies don’t offer customers’ preferred global payment types, but with BlueSnap you can. You’ll be able to take advantage of preferred global payment types and currencies, greatly reducing the potential for checkout abandonment.
100+
Shopper Currencies
100+
Global Payment Types
100+
Payout Currencies
One Integration
If you’re working with multiple payment processors to support your payments, you’re spending unnecessary time and resources to integrate and maintain multiple platforms. With BlueSnap, you get a single integration, unified reporting and everything else you need to sell around the world built-in. We can provide the technical resources necessary to reach customers around the globe without sacrificing efficiency or causing you to drown in technical debt.
Tokenization to Keep Shopping Easy & Cardholder Data Safe
Safely storing customer details enables repeat customers to check out quickly and securely, while allowing new customers to shop with confidence. Benefit from one-time and multi-use tokens to securely process shopper data. When a customer is checking out, our Hosted Payment Fields generate a unique token for the customer that includes their details and allows for secure checkout. In addition, you can save payment information using our Vaulted Shopper feature, which creates an additional token for future purchases.
Developers
Consolidate Your Payment Vendors
How much time do you spend maintaining integrations to meet your various payment needs? What if you could do it with just one?
BlueSnap’s Payment Orchestration Platform has everything you need built-in and works with the other software you are already using so you can focus your development time on more value-add work.
Single Integration Functionality
BlueSnap’s RESTful APIs can be easily used with any HTTP client
Hosted payment fields encrypt sensitive card information for a secure checkout.
We use one-time and multi-use tokens to securely process shopper data.
Securely store your shopper’s payment details in BlueSnap with Vaulted Shopper.
Build with Confidence
BlueSnap provides robust, clear documentation and offers live support so you get the answers when you need them.
Visit the BlueSnap Developer Hub to get started.
Get the credentials you need with a BlueSnap account.
Access important information about Payment Optimization Tools and more.
Easy access to the important documentation you need.
Walkthroughs for leveraging our payment functionality.
Quick answers to common questions about BlueSnap.
l
5 Ways to Improve Your Debit and Credit Card Authorization Rates
BlueSnap’s Ultimate Guide to Cross-Border Payments
Frequently Asked Questions
What is payment optimization?
Payment optimization is the process of improving payment routing and processing to increase approval rates, reduce costs and enhance the user payment experience.
What’s the difference between traditional payment routing and Intelligent Payment Routing?
The difference between traditional payment routing and Intelligent Payment Routing is that traditional routing is a static process, while Intelligent Routing is dynamic. Traditional payment routing connects to a single, regional acquiring bank. Even larger businesses that have access to multiple acquiring banks are limited by traditional payment routing as it follows the same logic for every transaction, which can result in a higher number of declines.
Smart or Intelligent Payment Routing addresses these issues by identifying the most efficient route between available banks. It sends transactions for approval in the most optimal manner based on selected parameters, increasing authorization approvals and reducing costs. It is an essential payment processing feature for any business.
How does BlueSnap optimize payment processing?
BlueSnap uses a variety of strategies to optimize payment processing, including Intelligent Payment Routing, failover transaction failovers to secondary acquiring banks, smart retry logic, local acquiring and real-time analytics.
BlueSnap does all of this to help you increase your authorization rates and lower the costs associated with payments.
Does offering a local currency to shoppers help increase sales?
Yes, offering a shopper’s local currency can increase sales. Many merchants only charge in the currency local to their business, which can lead to issues such as:
- Higher cart abandonment due to cardholders not knowing the final cost
- Higher rate of declines from cardholders’ banks due to perceived risk
- Higher billing inquiries from cardholders confused by converted amounts on statements
- Higher chargebacks from cardholders who see a price on their statements they didn’t knowingly agree to
By offering local currencies to your shoppers, you can decrease the likelihood of these negative impacts.
Can BlueSnap help reduce false declines?
Yes, BlueSnap helps businesses reduce false declines in a couple of ways. Our Intelligent Payment Routing and failover capabilities can help reduce false declines by ensuring each transaction has multiple opportunities for approval. And our built-in Fraud Prevention from Equifax is designed to block fraudulent transactions while maximizing legitimate transactions that might otherwise be declined. Both of these systems use machine learning and transaction history to improve approval success.
What is payment tokenization?
Payment tokenization is the process of replacing sensitive payment data, such as the primary account number (PAN) on a credit card, with a placeholder token. Using this token in place of the actual data during a transaction greatly reduces the risk of that data being compromised. Even if it’s stolen, the data is useless to the thief outside of the specific context it was intended for.
What is network tokenization and how does it help payment optimization?
Network tokenization is the process of replacing sensitive card data with a network-issued token that is specific to a merchant and device. Unlike standard tokenization, network tokens are issued directly by card networks such as Visa and Mastercard, which means issuing banks recognize them as more secure, resulting in higher authorization rates and lower interchange costs.