GMO-PG Launches the "Approval Rate Visualization Option" to Visualize transaction data and Support E-commerce Businesses in Maximizing Sales
~ authorization Approval Rate & 3D Secure Leverage Multifaceted Verification Status to Improve Approval Rates and Customer Experience ~

GMO Internet Group's GMO Payment Gateway, Inc. (President & Chief Executive Officer: Issei Ainoura, hereinafter GMO-PG) will launch the "Approval Rate Visualization Option" for merchants using Credit card payment on Online Payment Service" PG Multi-Payment Service," which visualizes transaction data such as authorization approval rates ^(*1) (hereinafter "approval rates") and 3D Secure certification status, starting Tuesday, July 28, 2026. With this option, merchants can gain a multifaceted view of their payment status from the dashboard on the "PG Multi-Payment Service" management screen, enabling them to leverage it for efforts to maximize sales, such as improving approval rates and enhancing customer experience.
Starting on the same day, eligible merchants using "PG Multi-Payment Service" ^(*2) will be offered a free version that allows them to check four indicators as part of this option—approval rate, 3D Secure certification application rate, challenge authentication occurrence rate, 3D Secure abandonment rate—on the management screen.

• (※1) authorization Approval rate refers to the percentage of transactions approved out of the credit inquiry (authorization) process conducted with the card company in Credit card payment.
• (※2) Merchants who have Credit card payment contract in "PG Multi-Payment Service" and have agreed to the terms. However, some contract formats are excluded. For details, please contact us

【Background and Summary】

The BtoC-EC market size has reached approximately 26.1 trillion yen (2024), and EC ratio continues to expand at 9.8% ^(*3). Credit cards account for 82.7% of total domestic cashless payment (*4) by 2025 ^(*4), and Credit card payment play a central role in end-user payment method both online and in-store. For many e-commerce operators, optimizing Credit card payment operations is a critical issue that impacts sales opportunities and customer experience. Meanwhile, due to the high level of damage from non-face-to-face transactions caused by fraud credit card information, the entire industry is working to establish a fraud prevention environment such as promoting 3D Secure adoption. However, depending on how 3D Secure is operated, there are cases where it can lead to lost sales opportunities, and e-commerce businesses are now facing a critical phase where both fraud prevention and customer experience are being balanced.
In this context, e-commerce operators faced difficulties in understanding their own payment status, such as approval rates, 3D Secure authentication status, trends by authorization issuer (card issuer), and locations of abandonment and errors in the payment process. As a result, it became a payment operational challenge that could not be sufficiently identified points for improvement, planned measures, or validated effectiveness.
Strengthening fraud prevention and improving approval rates are two sides of the same issue for e-commerce businesses. Recognizing these issues, GMO-PG has continuously advanced efforts to balance fraud prevention and approval rate improvement, including implementing the fraud prevention service "Forter."
The newly launched "Approval Rate Visualization Option" further advances GMO-PG's efforts from a data perspective, creating an environment where e-commerce businesses can understand their payment processes based on data and consistently identify improvement points to enhance approval rates and customer experience, as well as plan and verify the effectiveness of various measures.
Going forward, GMO-PG will continue to support both fraud prevention and maximizing sales opportunities, while promoting visibility and improvement of the entire payment operation, including approval rates and 3D Secure certification status, to realize a safe and convenient online payment environment and contribute to the sustainable growth of Japan's e-commerce market.

• (*3) Ministry of Economy, Trade and Industry "Results of the FY2024 Market Survey on E-Commerce" (Published August 26, 2025) URL: https://www.meti.go.jp/press/2025/08/20250826005/20250826005.html
• (*4) Ministry of Economy, Trade and Industry "Cashless payment ratio for 2025 calculated" (Published March 31, 2026) URL: https://www.meti.go.jp/press/2025/03/20260331006/20260331006.html

[About the "Approval Rate Visualization Option"]

The "Approval Rate Visualization Option" is an optional feature for "PG Multi-Payment Service." With this paid option, you can visualize the approval rate and 3D Secure authentication status for the current month from the dashboard on the management screen, and analyze them from multiple perspectives. Approval rates can be analyzed from perspectives such as monthly, daily, time slot, payment price range, issue, 3D Secure implementation status, and error codes. 3D Secure Authentication status allows you to check 3D Secure authentication application rate, challenge authentication occurrence rate, authentication success rate, abandonment rate, and process-specific status. Additionally, challenge authentication occurrence rate can be analyzed from the perspectives of daily, time slot, payment price range, and issue.
This enables implementing merchants to gain a multifaceted understanding of their payment status, identify improvement points, consider introducing fraud prevention services to enhance approval rates and customer experience, optimize 3D Secure operations, review payment workflows, and implement additional payment method implementation, thereby proposing specific measures and verifying effectiveness.

■ Usage Impressions

The paid version of this option has no initial setup fee, and the monthly fixed fee is 10,000 yen per shop (excluding tax). For application and details, please check the "Approval Rate Visualization Option" introduction page (URL: https://www.gmo-pg.com/service/mulpay-authratevisualizationoption/).
Additionally, eligible merchants ^(*2) will receive a dashboard on the management screen that displays four indicators as part of the paid version feature: approval rate, 3D Secure authentication application rate, challenge authentication occurrence rate, 3D Secure abandonment rate, and abandonment rate, all of which are part of the paid version of this option.
Please note that merchants do not need to perform any new development on their own to use this option.