--- title: The Performance Pulse whitepaper | emerchantpay description: The Performance Pulse whitepaper identifies ways to fine-tune your payments, mitigate risk, and reduce decline rates. Download your free copy today! image: https://resources.emerchantpay.com/hubfs/EMP%20Social%20Media/EMP%20PR%20images/EMP_FB_LI_Social_003.jpg --- [![Emerchantpay](https://resources.emerchantpay.com/hs-fs/hubfs/raw_assets/public/emerchantpay_June2021/images/emerchantpay-logo-transparent.png?width=914&height=322&name=emerchantpay-logo-transparent.png "Emerchantpay")](https://www.emerchantpay.com/) [Contact Us](https://www.emerchantpay.com/contact-us/) [Log In](https://partner-resource-centre.emerchantpay.com/login) - SOLUTIONS - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - [Reporting](https://www.emerchantpay.com/reporting/) - [Risk and fraud management](https://www.emerchantpay.com/risk-fraud-management/) - INDUSTRIES - [eCommerce](https://www.emerchantpay.com/e-commerce/) - [Retail](https://www.emerchantpay.com/retail/) - [Small Businesses](https://www.emerchantpay.com/small-business/) - [Travel](https://www.emerchantpay.com/travel/) - [Gambling](https://www.emerchantpay.com/gambling/) - [Forex](https://www.emerchantpay.com/forex/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - [Press and media](https://www.emerchantpay.com/press-and-media/) - [Licenses and certifications](https://www.emerchantpay.com/certifications/) - PARTNERS - RESOURCES - INSIGHTS - [Blog](https://www.emerchantpay.com/insights/) - [Downloadables](https://www.emerchantpay.com/downloadables/) - [Videos](https://www.emerchantpay.com/videos/) - DOCUMENTATION - [Documentation](https://docs.emerchantpay.com/) - [API reference](https://emerchantpay.github.io/gateway-api-docs/) - [SDKs](https://github.com/eMerchantPay/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) - SOLUTIONS - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - [Reporting](https://www.emerchantpay.com/reporting/) - [Risk and fraud management](https://www.emerchantpay.com/risk-fraud-management/) - INDUSTRIES - [eCommerce](https://www.emerchantpay.com/e-commerce/) - [Retail](https://www.emerchantpay.com/retail/) - [Small Businesses](https://www.emerchantpay.com/small-business/) - [Travel](https://www.emerchantpay.com/travel/) - [Gambling](https://www.emerchantpay.com/gambling/) - [Forex](https://www.emerchantpay.com/forex/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - [Press and media](https://www.emerchantpay.com/press-and-media/) - [Licenses and certifications](https://www.emerchantpay.com/certifications/) - PARTNERS - RESOURCES - INSIGHTS - [Blog](https://www.emerchantpay.com/insights/) - [Downloadables](https://www.emerchantpay.com/downloadables/) - [Videos](https://www.emerchantpay.com/videos/) - DOCUMENTATION - [Documentation](https://docs.emerchantpay.com/) - [API reference](https://emerchantpay.github.io/gateway-api-docs/) - [SDKs](https://github.com/eMerchantPay/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) [Contact Us](https://www.emerchantpay.com/contact-us/) [Log In](https://partner-resource-centre.emerchantpay.com/login) ![The Performance Pulse Image 800x800-01](https://resources.emerchantpay.com/hs-fs/hubfs/Other%20downloadable%20page%20assets/The%20Performance%20Pulse%20Image%20800x800-01.jpg?width=400&height=400&name=The%20Performance%20Pulse%20Image%20800x800-01.jpg "The Performance Pulse Image 800x800-01") # The Performance Pulse #### Exploring the potential for improved performance within payments ## What’s inside? Last year we launched our white paper, [The New Performance Agenda](https://resources.emerchantpay.com/new-performance-whitepaper-download?hsLang=en), which argued that the payments industry needs to pay closer attention to optimising existing operations and infrastructures, rather than solely focusing on innovation. Expanding on our findings, we undertook a comprehensive, independent research amongst more than 500 online payment professional and decision-makers across five countries. Interviews were conducted across a range of sectors, including retail, travel and hospitality, gaming and gambling, foreign exchange and airlines. The Performance Pulse research explores attitudes, understanding and intentions in relation to payments performance. ## Download your copy ## Act now to start reducing decline rates Business usually have to keep on top of changing regulations, new fraud risks, ever greater demand for choice and high-quality service from consumers, and an APM eco-system which is growing exponentially. Innovation will continue to shape the industry, but it is those businesses that focus on performance across their entire payments eco-system, whether that’s traditional card payments or the very latest APM, that will drive efficiency and grow the bottom line. ![emerchantpay_eWallet](https://resources.emerchantpay.com/hs-fs/hubfs/Iconography/Green%20icons/emerchantpay_eWallet.png?width=130&height=130&name=emerchantpay_eWallet.png "emerchantpay_eWallet") #### Fine tune your payments ![emerchantpay_Search](https://resources.emerchantpay.com/hs-fs/hubfs/Iconography/Green%20icons/emerchantpay_Search.png?width=130&height=130&name=emerchantpay_Search.png "emerchantpay_Search") #### Mitigate risk and fraud ![emerchantpay_Decline](https://resources.emerchantpay.com/hs-fs/hubfs/Iconography/Green%20icons/emerchantpay_Decline.png?width=130&height=130&name=emerchantpay_Decline.png "emerchantpay_Decline") #### Reduce decline rates [![Emerchantpay](https://resources.emerchantpay.com/hs-fs/hubfs/raw_assets/public/emerchantpay_June2021/images/emerchantpay-logo-transparent-green.png?width=914&height=322&name=emerchantpay-logo-transparent-green.png "Emerchantpay")](https://www.emerchantpay.com/) - PRODUCTS - [Online payments](https://www.emerchantpay.com/online-payments/) - [POS terminals](https://www.emerchantpay.com/pos-terminals/) - [Card issuing](https://www.emerchantpay.com/card-issuing/) - SERVICES - [Acquiring](https://www.emerchantpay.com/acquiring/) - [Global payment methods](https://www.emerchantpay.com/global-payment-methods/) - [Platforms and partnerships](https://www.emerchantpay.com/platforms-partnerships/) - COMPANY - [About us](https://www.emerchantpay.com/about-us/) - [Careers](https://www.emerchantpay.com/careers/) - [Events](https://www.emerchantpay.com/events/) - RESOURCES - [Blog](https://www.emerchantpay.com/insights/) - [Documentation](https://docs.emerchantpay.com/) - [Partner resource centre](https://partner-resource-centre.emerchantpay.com/login) - - - - [Contact Us](https://www.emerchantpay.com/contact-us/) - [Cookies](https://www.emerchantpay.com/cookie-settings/) - [Terms of use](https://www.emerchantpay.com/terms-of-use/) - [Legal](https://www.emerchantpay.com/legal/) For the UK: emerchantpay Ltd is a duly authorised electronic money institution subject to the prudential supervision of the UK Financial Conduct Authority (Financial Services Register No. 900778). For the EU: emerchantpay collaborates with UAB Phoenix Payments, a duly authorised electronic money institution subject to the prudential supervision of the Bank of Lithuania, licence number LB000477. For the US: emerchantpay Corp. is a Registered Partner/ISO of Elavon, Inc. Georgia \[a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN\], and of Westamerica Bank, Santa Rosa, CA.   Copyright © emerchantpay Ltd 2007 – 2024. All rights reserved. emerchantpay is a registered trade mark. Any unauthorised use is expressly prohibited  .