Lectavia - Algorithmic Solution Router for Business

International companies and large e-commerce businesses face high fees and low conversion due to inefficient transaction routing between payment providers and acquirers. Payments often follow a default route, leading to excessive costs and lost revenue.

Lectavia automatically selects the optimal channel for each transaction, considering both success probability and processing cost (least-cost routing). The system takes into account geography, card type, brand, BIN, and more to route payments most efficiently. This reduces fees, increases successful payments, and simplifies working with multiple PSPs.

Many merchants lose conversion because the payment methods are shown in a non-optimal order—users may not see their preferred option first, increasing the risk of abandoned carts. This is especially critical in markets with many alternative payment methods (A2A, wallets, BNPL, etc.).

Lectavia analyzes context (country, device, purchase history, segment preferences) and dynamically arranges payment methods on the checkout page. The method with the highest success probability for the user is always shown first. This boosts conversion and improves UX, with no need to store sensitive data—Lectavia works with tokens and hashes.

Traditional A/B testing treats all users equally, often leading to suboptimal experiences for segments that prefer different versions. This results in lost conversion opportunities when new features appeal to some users but alienate others. Companies struggle to personalize testing and implementation strategies for different user segments

Lectavia analyzes user behavior patterns and context to intelligently distribute different interface versions to appropriate segments. The system continuously learns which users respond better to which features, automatically directing each user to their optimal experience. This enables true adaptive personalization without compromising overall metrics when introducing new functionality