Payment optimization solutions

Solutions that help your business mitigate fraud, improve chargeback management and reduce costs associated with accepting credit card payments.

Debit optimization

Improve validation and decrease fraud by prompting for PIN.

Currency Exchange

Commercial card optimization

Qualify for a lower interchange rate by providing additional transaction data.

Multi-Currency Conversion

Attract new international customers by reducing currency confusion.


Dynamic Currency Conversion

Avoid confusion by displaying international transactions in the cardholders’ local currency.


The surcharge program offsets the acceptance costs of credit card payments.

Convenience and service fees

Credit card acceptance made convenient for your customers, and your bottom line.

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Payment optimization benefits

Elavon has created solutions to help add value when businesses process their transactions, whether it be debit or credit, business or commercial card. Leveraged together, businesses benefit from reduced fraud, fewer chargebacks and lower fees.

Reduce fraud

Drive more transaction validations and reduce the potential for credit card fraud.

Reduce chargebacks

Demonstrate the transaction was validated and most likely authorized by the cardholder for fewer chargebacks.

Reduce fees

Multiple payment optimization programs exist to help reduce the transaction costs associated with accepting credit cards.


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  1. Certain state or local laws may restrict or limit the amount of the surcharge percentage. Although we offer surcharging in most states, Merchants are responsible for determining the legality of surcharging in their states, and merchants are liable if their activities are found to be unlawful. Credit card surcharge applies to credit card only, not available on debit cards.