Nuvei Adds PINless Debit, Least Cost Routing in North America

Nuvei has enhanced its Authorization Optimization suite by adding PINless debit and Least Cost Routing features, which are now available in the U.S. These features allow eligible transactions to bypass traditional card rails and use lower-cost local debit networks, improving authorization rates for merchants in North America by up to 3.5 percentage points. Nuvei's smart routing engine leverages artificial intelligence and machine learning to analyze transactions in real time, selecting the most effective path based on issuer behavior, network logic, card metadata, and regional preferences. This technology provides merchants with flexibility to prioritize either maximum approvals or cost efficiency according to their business goals, helping to lower processing costs and increase revenue recovery. The enhancements align with Nuvei's strategy to expand its presence in North America amid evolving regulations, issuer behaviors, and consumer payment preferences, positioning merchants to accelerate growth in a highly competitive market. Industry context includes regulatory efforts like the Durbin Amendment, which promote merchant choice in network routing to reduce costs.