Outcome

A restructuring of payment routing logic increased deposit acceptance by 12 percentage points, improved FTD conversion to 24%, and reduced user complaints by 17%.

Client Context

An online casino operator was experiencing declining deposit acceptance rates across several European markets despite having multiple PSPs integrated.

Transaction routing remained static, with deposits flowing through fixed paths regardless of issuer behavior, BIN performance, or PSP-specific success rates.

This limited the effectiveness of the existing payment setup.

The operator engaged KYZEN to assess and optimize their PaymentIQ configuration, with a focus on improving acceptance rates without introducing additional PSP complexity.

Challenges

The issue was not PSP availability but how transactions were being routed through them.

The existing setup introduced several constraints:

• Static routing across PSPs, ignoring issuer-level performance differences.
• No BIN-level intelligence applied to transaction flows.
• High-value deposits processed through non-optimized routes.
• Limited fallback logic across acquirers.
• Declines not systematically redirected, resulting in lost conversion.
  

These inefficiencies translated into measurable revenue loss:

• Deposit acceptance stalled at 74%.
• First-time depositor (FTD) conversion was suppressed.
• Increased user friction at the point of deposit.
• Rising support tickets linked to failed transactions.

The limitation was within routing logic, not PSP coverage.

The Approach

KYZEN focused on restructuring how payment decisions were made inside PaymentIQ, shifting from static routing to performance-driven orchestration.

The intervention was built around four core changes:

1. Issuer-Level Routing: Transactions were routed based on issuer behavior patterns, aligning transactions with higher-performing issuers.

2. BIN-Based Optimization: BIN-level data was used to identify approval trends and direct transactions toward PSPs with historically higher approval rates for those segments.

3. Value-Based Routing Logic: High-value deposits were routed through PSPs with stronger authorization performance, reducing unnecessary declines on larger transactions.

4. Multi-Layered Fallback Strategy: Fallback logic was introduced across multiple acquirers, ensuring that declined transactions were retried across multiple acquirers.

Routing decisions were based on observed performance instead of fixed configuration.

Results

The changes improved deposit performance across European markets.

• Deposit acceptance increased from 74% to 86%.
• FTD conversion improved to 24%.
• User complaints related to failed deposits reduced by 17%.

Operational Takeaway

The drop in acceptance rates was not caused by PSP availability but by how transactions were routed across them.

Once routing logic was aligned with issuer behavior, BIN-level performance, and fallback handling, acceptance rates increased without introducing new PSPs.

The improvement came from restructuring routing decisions, not expanding the payment stack.