Optimizing the CNP False Decline Problem: How Issuers and Merchants Can Collaborate to Approve More.

Jun 26, 2024

In a digital age where e-commerce is booming, we’re excited to share with you our latest white paper, “Optimizing the CNP False Decline Problem: How Issuers and Merchants Can Collaborate to Approve More.”

This comprehensive paper delves into the critical issue of false declines in CNP transactions—an area where legitimate customers are often mistaken for fraudulent ones by automated systems, leading to a staggering $443 billion in lost sales, dwarfing actual fraud losses nearly 70-fold.

Our findings highlight the urgent need for collaboration within the payment ecosystem to optimize approval rates and mitigate the ripple effects of unnecessary declines. You’ll gain insights into:

• The magnitude of revenue loss due to false declines and the rising trend in e-commerce
• The detrimental impact of false declines on customer loyalty and issuer revenues
• How Kipp’s innovative platform can revolutionize the authorization process by facilitating real-time data sharing and cost-sharing of risk between merchants and card issuers
• How issuers and merchants can jointly approve more legitimate transactions, enhancing customer satisfaction, and boosting revenue

We invite you to read our white paper to understand how you can be a part of this transformative journey. Together, let’s reshape the future of digital payments and turn the tide on false declines.