On October 13, 2025, Mastercard announced the launch of its Payment Optimization Platform (POP), a network‑based service that uses AI and Mastercard’s transaction data to enrich authorization messages and improve merchant approval rates. Early pilot tests reported a 9‑15 % uptick in conversion rates, indicating the platform’s potential to enhance checkout experiences for online merchants.
The platform is being rolled out in partnership with major payment facilitators, including Adyen, NEOPAY, Tap Payments and Worldpay. These partners will use POP to deliver an optimal payment experience, drive service continuity, and capture incremental revenue opportunities across their merchant networks.
By expanding its suite of value‑added services, Mastercard aims to strengthen its competitive position in the digital payments ecosystem and create new revenue streams beyond traditional transaction assessments. The launch of POP represents a significant operational milestone that could contribute to the company’s long‑term growth strategy.
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