SAPinsider Expert Exchange – Season 1 Payment Technologies – Episode 1

In this Expert Exchange conversation, SAPinsider’s Robert Holland is joined by Sunny Thakkar, Head of Optimization for Product at Worldpay, to explore how advanced payment frameworks help SAP customers efficiently mitigate fraud and manage chargebacks—without heavy SAP customization. Thakkar explains how compliance mandates like 3D Secure and PSD2’s strong customer authentication vary by region, and how Worldpay’s automated logic applies exemptions only when appropriate to reduce checkout friction while keeping merchants compliant. In non-mandated markets, the company’s patent-pending Authentication Optimization Service (AOS) uses homegrown machine learning to decide, in real time, whether a transaction should be sent to 3D Secure at all. The conversation then moves to fraud prevention, where Worldpay’s acquisition of AI-native, cloud-native platform Ravelin enables real-time, pre-transaction risk decisioning—assessing email, billing, shipping, and device data up front to stop chargebacks before they occur and keep merchant traffic clean in the issuer ecosystem. On the back end, an AI-based Disputes Defender automatically identifies dispute types and compelling evidence to package and submit rebuttals, delivering win rates higher than merchants historically achieved with dedicated teams. Thakur’s strategic advice for leaders: embrace the rapid evolution of AI, and don’t be shy about leveraging data to drive more accurate decisions.

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