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Pillar8 introduces a real-time decision layer at checkout that evaluates each session individually and generates a decision package instantly—replacing static configuration and delayed experimentation.

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Step 1: Context Capture

At checkout, Pillar8 captures session-level context:
  • Device type
  • Country and currency
  • Cart value
  • Available and presented payment methods
  • Checkout session identifier
This context reflects the actual conditions of the current shopper.

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Step 2: Decision Engine

The context flows to the Pillar8 decision engine, which evaluates:
  • Historical transaction patterns
  • Performance signals across similar contexts
  • Real-time session characteristics
The engine then generates a decision package.

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Step 3: Decision Package

The decision package contains:
  • Ranked payment methods
  • Contextual scoring signals
  • Confidence indicators
  • Eligibility and gating logic
This package determines how checkout should be handled for the current session.

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Step 4: Execution

The decision is applied based on your checkout environment. Advisory (default) Pillar8 renders a lightweight advisory layer that guides shoppers toward the recommended payment method. Merchant-controlled execution You can use the decision package to:
  • Reorder payment methods
  • Highlight specific options
  • Customize checkout behavior
Insights All decisions and outcomes are captured in the merchant portal for analysis and optimization.

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Step 5: Learning Loop

After transaction completion, Pillar8 receives the outcome via webhook:
  • Selected payment method
  • Transaction result
  • Contextual data
The system continuously learns from this feedback and improves future decisions.

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Continuous Optimization

Unlike A/B testing, which operates in cycles, Pillar8 adapts in real time at the session level. Each checkout is evaluated independently, enabling the system to:
  • React to real-time conditions
  • Capture edge-case behaviors
  • Improve decision quality over time
Key Principle: Checkout behavior is dynamic. Pillar8 replaces static rules and delayed experimentation with real-time decisioning at the moment of payment.