Optimize 360
Built-in artificial intelligence for smarter payment outcomes
Real-time AI decisions that drive conversion, protect against fraud, and prevent revenue loss in every transaction
Smarter architecture, smarter outcomes
Natively integrated AI optimization
Embedded directly in Airwallex’s payments stack, Optimize 360 applies real-time intelligence across fraud protection, network acceptance, and recovery for up to 2.6% higher approval rates
AI that adapts in real time
Models adapt in real time, retraining on live outcomes and adjusting to issuers, shoppers, and risk signals as they change
Enterprise-grade by design
Delivers global uptime of 99.999%, compliance coverage, and real-time performance insights, without extra tooling or integration work
Globally aware, locally tuned
Optimize 360 learns from issuer behavior, shopper trends, and payment performance across 35+ markets, improving performance in both core and emerging markets
Four ways we lift performance
Maximize
Recover more revenue with AI driven payment decisions
Unlock more approvals and reduce churn with smart retries, intelligent routing, and issuer-aware logic - all in real time
- Smart retries based on decline codes, issuer feedback, and history
- Route each transaction through the optimal path based on issuer behavior, geography, cost and other key signals
- Real-time ISO 8583 message formatting adjustments that align with issuer expectations
Secure
Fight fraud without hurting your conversion rates
Fewer false positives, smoother checkout, and full compliance coverage
- AI-led fraud engine analysing behavioral, device, and network signals
- Adaptive rule sets that learn over time and can be tested before rollout
- Smart 3DS flows that trigger only when needed
- Global compliance coverage including SCA and PSD2
Setup
Design smarter checkouts that convert
Avoid preventable failures with better checkout design, smarter payment method mix, and cleaner integration
- Recommend the right payment methods for each market and device
- Automatically adapt checkout flows across desktop and mobile
- Ensure clean configuration that meets issuer and scheme requirements
- Use Automatic Currency Conversion to accept global shoppers and avoid drop-off with local currency pricing and payment method support
Sustain
Ensure continuity across stored credential payments
Keep payments flowing with network tokenization, credential updates, and early alerts that prevent silent revenue loss
- Use network tokenization with fallback logic for more resilient card storage
- Manage credential lifecycle to handle reissued cards, expirations, and updates
- Auto-refresh stored details with account updater integrations
- Detect performance fluctuations early with ML-based alerts and root-cause signals
Airwallex helped Shein improve payment success rates across Europe and APAC. Thanks to Optimize 360’s intelligent monitoring of issuer behaviour patterns and automatic adjustments to authorisation requests, Airwallex was able to reduce the number of payments declined by card issuers. Working closely with Airwallex Solution Engineers, Shein was also able to experiment with various other optimisation strategies, leading to success-rate improvements of up to 3% in key markets.
Leading e-Commerce Brand
Thanks to Optimize 360’s AI-driven fraud-risk assessment and Smart 3DS application, Cider was able to decrease the likelihood that a shopper experiences friction in the checkout process, while keeping fraud at an extremely low level. With optimisation across the entire payment journey, Airwallex helped Cider achieve a 1% uplift over the industry-average payment success rate.
Global Fashion Retailer
AI Assistant
AI assistant at your fingertips
Airwallex’s AI-powered assistant helps set up your account in minutes to save you time and manual work. Skip the guesswork with a financial platform tailored to your business needs from day one.
Every payment is a chance to do better. Start now.
Speak with our team to learn how Optimize 360 drives higher performance across your entire payment flow