The Patent is for Cross-Border Payment Success Rate Optimization
FinTech BizNews Service
Mumbai, 12 January 2026: PayGlocal has been granted a core patent by the India Patent Office for its payment success rate optimization engine. The patented system improves cross-border payment acceptance through issuer-aware orchestration that dynamically determines when and how authentication is invoked, based on contextual risk and liability signals.
By programmatically managing liability and authentication flows at a system level, PayGlocal aligns transaction processing with issuer-specific behavior across global regions, reducing unnecessary friction and improving approval outcomes. The patent recognizes PayGlocal’s proprietary approach to identifying issuer behavior and orchestrating cross-border card payment flows to consistently deliver higher payment success rates (PSR).
The technical problem the industry faces today is the non-standard implementation of 3DS protocols by Access Control Servers across the world. Many global 3DS implementations provide a sub-optimal experience for customers during identity checks. PayGlocal created a layer that identifies global regions and issuers where the customer experience is likely to be fragmented and brings those checks onto the PayGlocal platform. The technical effect of this approach is a higher payment success rate, as customers do not drop off and transactions are processed in a manner aligned with global customer expectations.
“High payment success rates (PSR) don’t happen by accident,” said Rohit Sukhija, Co-founder and CPO, PayGlocal. “The high PSR delivered by PayGlocal is a direct outcome of our deep understanding of global payments and our ability to convert that knowledge into issuer-aware processing systems that handle complexity in real time. This patent confirms that what we’ve built is not just good implementation, but proprietary infrastructure logic with a strong foundation that we now own.”
PayGlocal has pioneered the launch and commercialization of cross-border payment gateway products since its inception in 2021. It introduced its cross-border stack for merchants through APIs that delivered higher approval rates from the outset, earning adoption from several marquee merchants on the platform. This intellectual property was embedded into the product from inception, and the patent grant serves as strong validation of the foundational architecture of PayGlocal’s offerings.
PayGlocal’s work in the cross-border payments space has evolved over several years. After playing a key early role in enabling 3DS 2.0 for international cards in India in October 2021, the company went on to facilitate India’s first live non-3DS cross-border transaction, translating theoretical frameworks into production-grade payment flows. These efforts revealed a broader gap in payments architecture: the absence of a centralized payment processing layer capable of managing liability and risk programmatically. The newly granted patent formalizes this layer as protected intellectual property.
Today, all PayGlocal customers, including its largest enterprise merchants, operate on this patented processing capability, significantly improving their ability to convert cross-border visitors into paying customers, who they might have lost otherwise.
Software patents in payments remain rare in India due to the high threshold for technical novelty, complexity, and real-world applicability. The issuance of this patent places PayGlocal among a small group of global payments companies that have successfully commercialized and protected cross-border orchestration-led innovation.
The patent represents a significant milestone in PayGlocal’s evolution. It marks a shift from integrating around existing constraints to owning core payment logic that defines how transactions are executed. It also underscores the company’s long-term focus on building in-house IP that improves the reliability, scalability, and predictability of digital payments, reinforcing PayGlocal’s position as a leader in cross-border payments acceptance.
