07%

increase in
approval rates

40%

decrease in
debit network costs

30-50%

reduction in
chargebacks

Authorization Optimization

Decline prevention

Credentials are updated in real time for recurring transactions, which keeps payments up to date and prevents declines.

Decline recovery

Implement dynamic decisioning to recoup declines, powered by transaction, network and consumer behavior data, all while taking issuer-specific rules into account.

Routing Optimization

Reduce network cost

The global reach of our network relationships, including ownership of STAR and Accel, provides you with choice to route transactions at the­ lowest cost.

Reduce interchange cost

Network token service will lower interchange for certain card-not-present credit transactions processed using a Visa® EMV Payment Token.

Fraud Mitigation

Reduce risk

Block fraudulent transactions and avoid reputation damage. Our merchants experience reductions in decline rates, chargeback rates, required resources and overall costs.

Protect customers and build brand loyalty

Customers will experience a frictionless payment experience, while their information is protected ­ from fraud.

We help you move ahead of your competition

We can help your business implement an effective payment optimization strategy to move ahead of your competition.

Maximize revenue

Increase authorization approval rates through techniques that prevent and recover declines.

Lower costs

Leverage the global reach of our network relationships, including ownership of STAR and Accel, to improve debit performance, with more choice to route transactions at the lowest cost.

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Manage risk

Help block fraudulent transactions and avoid reputation damage with a Fraud Mitigation suite that will protect and grow your business.

Ideas and inspiration

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