Nuvei announced the addition of PINless debit and Least Cost Routing to its Authorization Optimization suite, improving its authorization rate for merchants in North America by up to 3.5 percentage points for applicable transactions. PINless debit and least cost routing are available now in the U.S., enabling eligible transactions to bypass traditional card rails in favor of lower-cost local debit networks. Nuvei’s smart routing engine uses real-time AI and machine learning to analyze every transaction and determine the most effective path to approval based on issuer behavior, network logic, card metadata, and regional preferences. Key routing capabilities include: Intelligent Routing – Routes transactions through the best-performing bank or card network; PINless Debit Routing (U.S.) – Routes eligible debit cards through lower-cost networks, with fallback to Visa/Mastercard. Nuvei’s enhanced smart routing helps merchants optimize margin, performance, and speed without adding operational complexity.Nuvei’s intelligent authorization stack ensures that once a transaction reaches the right place, it has the highest possible chance of being approved. These features work together to reduce friction, resolve soft declines, and adapt in real time to issuer requirements: Smart Auth Messaging – Dynamically configures payloads and message formats based on issuer-specific logic; Network Tokens – Increases issuer trust and compatibility through Visa and Mastercard network tokens; One-Click Payments – Accelerates repeat transactions with frictionless token-based experiences. If a transaction fails, Nuvei’s Smart Retry capabilities step in to recover revenue in real time, with no disruption to the customer experience. Built into the Authorization Optimization Suite, Smart Retry uses advanced decisioning logic to analyze failure reasons and automatically reattempt transactions through the most promising alternate paths. Nuvei’s Smart Retry engine includes: Account Updater – Automatically refreshes expired or replaced card credentials; Bank Failover Routing – Routes the transaction to a backup bank or APM if the primary path declines; Auth Reconfiguration – Modifies message format dynamically based on issuer response codes