Build a payments optimization plan for [Products] across [Markets] using [PSP]. Diagnose current authorization rate ([AuthRate]), decline codes, AVS/CVV mismatch handling, and step-up logic. Define 3DS2 exemption strategy (TRA, whitelisting, low-risk routing), soft-decline retries, and network tokenization. Recommend wallet expansion (Apple Pay/Google Pay/PayPal) and local methods (e.g., iDEAL, Sofort) with eligibility rules. Provide test designs to lift conversion while protecting chargeback threshold ([ChargebackRate]).
Output format:
JSON “policy” object (keys: routing_rules, sca_exemptions, retry_logic, wallet_eligibility, risk_thresholds).
Experiment matrix (Hypothesis, Treatment, Success Metric, Guardrails, Sample Size, [Timeframe]).
Runbook for payment failures (customer messaging, retry cadence, fallback method).