Issuer Banks

Keep your credit card top-of-wallet

Find the balance between fraud, growth, and customer satisfaction

Keep your customers happy. Join Kipp to approve more legitimate transactions without the added risk.

Why are legitimate transactions declined by card issuers?

Data from issuers show that over 50% of declines are due to risks associated with insufficient funds. The rest of the declines are associated with transactions suspected as fraud, many of which are declined although they are not really fraud i.e., false positives or transactions that are declined because of banks’ authorization policies. With Kipp’s help, eCommerce merchants and banks can gather and process additional data that’ll help them approve more legitimate transactions in real-time and on their terms. That’s how you boost revenue and customer satisfaction with minimal risk.

Price the risk

Issuer banks set the policy that enable Kipp’s AI engine to price the risk and cross-reference merchants’ willingness to compensate in real-time. If there’s a match, Kipp will recommend the issuer in real-time to approve the transaction.
Guarantee lasting customer satisfaction

Customers often get personally offended when risk algorithms do what they’re meant to do. That’s why Kipp added an optimization layer to help banks make smarter real-time business decisions based on merchant’s data that minimizes risk and keeps cardholders satisfied.
Reduce operational costs

For every ‘declined by issuer bank’ notification, a frustrated customer picks up the phone to complain about a failed valid transaction. These tend to be long calls that take up valuable time and operational resources. Kipp helps you save on operating costs by dramatically reducing the rate of declined transactions.
Get your consumers back

The Buy Now Pay Later market will reach USD 20.40 billion by 2028. Consumers opt for whatever payment method gives them what they want. With Kipp, banks can finally and seamlessly compete with Buy Now Pay Later options and give consumers a positive shopping experience.