Elevate your payments, empower your growth
We’ll make it easy to optimise your payments – helping you increase the number of payments approved on the first try, reduce risk, cut costs and minimise hurdles for your customers, so sales go through smoothly every time.
Optimising payments is a balancing act
Approve too many risky transactions and fraud losses rise. Decline too many genuine payments mistakenly flagged as suspicious – a challenge known as ‘false positives’ – and you lose sales and loyal customers.
Our suite of payments optimisation products and services are designed to help you find the right balance and make the most of your payments.
What does payments optimisation mean?
-
Using real-time data and smart technology that adapts to changing patterns, we’ll help you get more transactions approved first time, reducing false positives and lost sales.
- Boost sales by reducing false declines
- Improve cashflow with faster, reliable payments
- Strengthen customer relationships
Using real-time data and smart technology that adapts to changing patterns, we’ll help you get more transactions approved first time, reducing false positives and lost sales.
- Boost sales by reducing false declines
- Improve cashflow with faster, reliable payments
- Strengthen customer relationships
-
Harness machine learning and advanced AI to detect and prevent fraud in real time. Use smart technology to learn how genuine customers behave and spot unusual patterns.
- Prevent chargebacks and resolve disputes efficiently
- Safeguard your reputation and customer trust
- Reduce financial losses from fraudulent activity
Harness machine learning and advanced AI to detect and prevent fraud in real time. Use smart technology to learn how genuine customers behave and spot unusual patterns.
- Prevent chargebacks and resolve disputes efficiently
- Safeguard your reputation and customer trust
- Reduce financial losses from fraudulent activity
-
Streamline your operations with smart automation and transaction routing. We’ll help you spot inefficiencies and uncover missed savings in your payment flows.
- Lower transaction fees and payment costs
- Reduce manual work and simplify operations
- Safeguard your margins with expert advice
Streamline your operations with smart automation and transaction routing. We’ll help you spot inefficiencies and uncover missed savings in your payment flows.
- Lower transaction fees and payment costs
- Reduce manual work and simplify operations
- Safeguard your margins with expert advice
-
Enable seamless sales
Remove unnecessary checkout barriers for genuine customers while keeping security strong where it matters, using smart authentication and real-time risk analysis.- Increase conversion rates, reduce abandoned baskets
- Provide a smooth experience for genuine customers
- Maintain strong security without slowing transactions
Enable seamless sales
Remove unnecessary checkout barriers for genuine customers while keeping security strong where it matters, using smart authentication and real-time risk analysis.- Increase conversion rates, reduce abandoned baskets
- Provide a smooth experience for genuine customers
- Maintain strong security without slowing transactions
Broaden your optimisation for more benefits
Optimising payments isn’t just about authorisation rates and fraud prevention. It’s also about unlocking new opportunities for your business.
Offer currency conversion
Attract international customers and make it easier for them to pay in their preferred currency
Strengthen chargeback management
Cut losses and administration by resolving disputes fast, with Elavon experts taking care of your chargebacks
Enjoy flexible funding options
Benefit from reliable cashflow with next-day funding and instant settlement, knowing funds will be in your account when you need them.
Enable digital wallets
Never miss a sale, whether your customer prefers Apple Pay, Google Pay or other mobile wallets.
Make the most of reporting data
See sales trends, optimise staffing and make smarter decisions about promotions and managing stock.
Gain a competitive edge
When payments are easy, customers come back and your business stands out from the competition.
Your partners in payments optimisation
Our specialist optimisation consultancy is designed for online and remote-payment setups, helping you uncover hidden costs like interchange fees, cross-border charges and acquirer markups.
We’ll help you map how payments move through your business, review your sales data and suggest practical ways to cut costs. We’ll also guide you through managing chargebacks, currency conversion and alternative payment methods, so you’re ready to capture every sale.
Optimise with smart solutions
Security solutions
Fraud, fines and reputational damage can drain your profits. Make security part of your optimisation strategy to protect your payments and avoid expensive data breaches. We’ll manage the security, so you can keep growing sales without the hidden costs.
Transaction Risk Analysis
If your business has a high volume of low-risk transactions, Transaction Risk Analysis can help you make best use of Strong Customer Authentication exemptions up to €500 – and find the sweet spot between fraud management and improving your bottom line.
3-D Secure
Implementing 3-D Secure strengthens payment security, reduces fraud and keeps you aligned with legislation. It’s not just compliance with Strong Customer Authentication; it’s the gold standard for card authentication, protecting revenue and reputation.
“Keeping hotel operating costs low is one of our key priorities. Elavon has been a great partner, working with us to keep card commission charges as low as possible for our hotels.”
Sudhir Appat, Marriott’s VP of finance operations - Europe, Middle East and Africa
“Transaction Risk Analysis provides PUMA with a technical approach to optimise our payment strategy and customer experience, keeping authorisation rates high while reducing friction for payments rated as low risk.”
Marcus Riese, senior payment specialist, PUMA Europe
Related resources
The smart way to safer payments
Transaction Risk Analysis helps you reduce fraud and enjoy seamless online payments. Download our whitepaper for everything you need to know about TRA, from how it all works to why it really matters for compliance and conversion.
Customer story - Marriott
Guests at more than 500 Marriott hotels across Europe enjoy consistent and effortless payments, thanks to Elavon – while we work with the iconic hospitality brand to keep card commission charges as low as possible for its hotels.
Payments optimisation for airlines
Discover how airlines can boost revenue and customer satisfaction through smarter payment strategies. Our guide reveals key optimisation tactics tailored for the travel sector – helping you fly further, faster and more profitably.
Learn how to optimise every transaction
Power your payments with Elavon
- We fund you within 48 hours – or pay to upgrade to same- or next-day payments*
- Easy signup and setup, with customer care and 24/7 technical troubleshooting in more than ten languages
- We offer more than payments, with product features and add-on services to help you save time and money
- Fast, secure transactions whether you trade online, in-store, both ways or even on the go
- See real-time business reports, card transactions, payment settlements and more, on our online portal
* Sign up for Faster Payments, which will see money paid into your account the next day.
Elavon account support
If you're already an Elavon customer and have a question about your account, please visit our Customer Centre or use the contact form below to get in touch.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195 (menu option 2)
Telephone: Monday to Friday 8am-5pm
Chat: Monday to Friday 8am-4pm
Elavon technical support: 0345 850 0195 (menu option 1)
24 hours a day, 365 days a year
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195 (menu option 2)
Telephone: Monday to Friday 8am-5pm
Chat: Monday to Friday 8am-4pm
Elavon technical support: 0345 850 0195 (menu option 1)
24 hours a day, 365 days a year
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Essential cookies enable core functionality such as page navigation and access to secure areas. The website cannot function properly without these cookies; they can only be disabled by changing your browser preferences. Please see our Cookie Policy for further information.
Performance cookies help us to improve our website by collecting and reporting information on its usage (for example, which of our pages are most frequently visited).
These cookies and similar technologies gather information about your browsing habits. They remember that you've visited a website and share this information with other organisations, such as advertisers and platforms on which we advertise. They do this in order to provide you with advertisements that are more relevant to you and your interests. These cookies and similar technologies gather information about your browsing habits. They remember that you've visited a website and share this information with other organisations, such as advertisers and platforms on which we advertise. They do this in order to provide you with ads that are more relevant to you and your interests.
Find out more about cookies on https://www.allaboutcookies.org