The Contestable Transaction.
A conceptual experience of what happens when eligible providers compete for a transaction before payment execution begins.
Step through a contestable transaction — from initiation through competition, decision, and execution.
Illustrative conceptual simulation. Proposition values and decisioning are hypothetical and do not represent live payment activity or Decyra's final decision methodology.
Six phases. One contestable transaction.
The consumer selects a payment option. Before execution begins, Decyra identifies the Transaction Opportunity and determines whether it is eligible for competition.
Relevant transaction parameters and applicable eligibility criteria determine whether a Transaction Opportunity qualifies for competition.
Decyra determines whether the Transaction Opportunity is eligible for competition and which providers are eligible to participate.
Eligibility criteria are applied to the Transaction Opportunity before competition begins.
Eligible providers can maintain or improve their available economic propositions in response to the Transaction Opportunity.
Each provider's proposition is evaluated against the transaction parameters. The existing or default provider may also participate.
Decyra evaluates eligible propositions and determines the winning outcome.
The decision occurs before the selected payment path enters execution. The winning provider is notified and the transaction is prepared for commitment.
The winning proposition becomes an economic commitment associated with the transaction.
The commitment is established before execution, ensuring the agreed economic terms are applied.
Existing payment infrastructure executes the selected payment path.
No new payment rails. Existing payment infrastructure continues to execute the transaction, now following a competitively determined outcome.
A logical layer, not a fixed network location.
Decyra's position is logical rather than physically fixed. The Transaction Marketplace may be invoked from different authorized points across the commerce and payment ecosystem, provided competition occurs before the relevant payment execution is committed.
From architecture to software.
Decyra has developed a working reference implementation of the Transaction Marketplace.
The private environment demonstrates Dynamic Transaction Competition using synthetic transactions and providers.
Access is currently limited to invited industry participants, strategic partners, and selected stakeholders.
The transaction becomes the marketplace.
This prototype illustrates the conceptual mechanics of a contestable transaction. The actual implementation would involve real providers, real economics, and real payment infrastructure.