Five independent acceptance systems. Smart Routing finds the best processor for each charge. Cascade Fallbacks retry through backup processors when one declines. Adaptive 3DS triggers authentication only when you want it. Network Tokenization protects renewals. Decline Recovery rebuilds revenue you would have lost. Use them alone, or run the full stack.
Higher Approval Rate
+ 18.4% average approval lift across all five systems combined
Score every available processor in real time and route each charge to the path most likely to approve.
Soft declines waterfall through up to four processors automatically. The buyer sees one transaction.
Build rules around country, BIN, amount, and over 50 other signals. The relay system reuses one approval across processors.
Replace raw cards with network tokens that survive card replacements, expirations, and reissues.
Worthy evaluates every available processor in real time on approval probability, cost, and latency. Each charge gets a fresh score based on the issuer, BIN, card type, geography, and time of day. The result is a routing decision tuned to your traffic.
Real-time scoring at 18 ms median. No added latency for buyers.
Issuer, BIN, MCC, and geography signals. Every dimension factored into each decision.
Manual overrides on the dashboard. Pin specific BINs, countries, or schemes to specific processors.
Live A/B testing. Compare two routing strategies side by side on real traffic.
PROCESSOR SCORES · BIN 411111
UPDATED 4S AGO
Processor 1
DO NOT HONOR · CODE 05 · SOFT
Processor 2
VELOCITY LIMIT · CODE 61 · SOFT
Worthy Payments
APPROVED · 142 MS · LIVE
When the primary processor returns a soft decline, Worthy automatically retries the same charge through the next-best processor. Up to four attempts run in sequence. The buyer never sees the failures, only the final outcome.
Decline code optimization. Soft declines retry on backups, hard declines skip ahead with no wasted attempts.
Up to four processors per charge. Configure max attempts and the order they fire in.
Single transaction to the buyer. All retries happen server-side before the response returns.
You set the rules. Worthy enforces them. Trigger 3DS only on the charges where it adds protection, and let the rest pass through frictionless. Build rules around country, BIN, amount, currency, MCC, card type, customer history, and more, with over 50 trigger conditions available.
Over 50 ways to configure when 3DS triggers. Set rules per country, per BIN, per amount, per card type, or any combination.
Pre-built exemption rules. Low-value, trusted-buyer, recurring, and merchant-initiated charges skip authentication where regulation allows.
Liability shift on every authenticated charge. When 3DS clears, the chargeback liability moves to the issuer.
PROCESSOR-AGNOSTIC 3DS RELAY
UNIQUE TO WORTHY
HOW IT WORKS
The relay captures the 3DS approval from the first processor, then carries that same authentication signal across backup processors automatically. The buyer faces one challenge. You get up to four attempts to approve the charge.
01 WHY IT MATTERS
Without the relay, every retry would force a fresh 3DS challenge. Buyers abandon. You pay multiple authentication fees. The relay saves the customer the friction and saves you the cost on every recovered charge.
Every saved card is converted to a network token before it ever leaves the Worthy vault. The token survives card replacements, expirations, and lost-card reissues automatically. The biggest gains land on subscription renewals where stale cards used to cost you customers.
Tokenization across Visa, Mastercard, and American Express. Coverage for every major card network.
Cards survive reissue events. Lost, stolen, expired, and replaced cards refresh in place without contacting the customer.
Lower interchange on eligible volume. Some issuers price tokenized transactions at preferential rates.
Failed charges are retried at the times most likely to clear, refreshed automatically when card credentials are stale, and resent through dunning emails when the customer needs to update something. Most temporary declines are recovered before the buyer notices.
Smart retry timing. Each issuer has a preferred window for second attempts. Worthy times retries to match.
Automatic credential refresh. Expired and replaced cards update in place across Visa, Mastercard, American Express, and Discover.
One-tap customer recovery emails. For hard declines, send a branded email with a single link to update the card.
Manage every decision from one dashboard
Approval rates, retry outcomes, authentication results, and recovered revenue surface in real time in the Worthy dashboard. Spot a decline spike from one issuer. See which processor is approving the most volume. Track the recovery rate hour by hour.
Apply for a Worthy account and put the Acceptance Engine to work on your charges. No contracts, no setup fees, no engineering team required. Talk to sales for a custom package or volume pricing.
