Are most of these auth rate improvements from the acquirer/merchant perspective? I've worked a lot with issuer and processor side and know that responsibility with auth rates can totally differ based on an issuing or acquiring perspective. Thanks!
Are most of these auth rate improvements from the acquirer/merchant perspective? I've worked a lot with issuer and processor side and know that responsibility with auth rates can totally differ based on an issuing or acquiring perspective. Thanks!
A mix of all entities in the payments system (acquiring processor/bank, network, issuing processor/bank). For example, network tokens are seen as more secure by issuing banks so are often given lower risk scores, leading to higher auth rates. The ML-powered retry logic and dynamic formatting of messages is all on the acquiring side.
Are most of these auth rate improvements from the acquirer/merchant perspective? I've worked a lot with issuer and processor side and know that responsibility with auth rates can totally differ based on an issuing or acquiring perspective. Thanks!
A mix of all entities in the payments system (acquiring processor/bank, network, issuing processor/bank). For example, network tokens are seen as more secure by issuing banks so are often given lower risk scores, leading to higher auth rates. The ML-powered retry logic and dynamic formatting of messages is all on the acquiring side.