Discover What We Do at Approval Tech

We will work with you to identify media source outliers.  Low quality media sources will drive the issuers fraud systems mad and put a black mark on your MID reputation and just watch your decline rates jump 10-20%+

Over time, you’ll develop a media source white-list, watch-list and black-list.  Expect your MID reputation to stay intact as you weed out media sources that are just oozing red flags that go hand in hand with approval rate degradation.

There is a saying we live by and that is ‘declines beget declines’. We will review practices at the point of sale to reduce customer re-attempts that will ultimately hurt your MIDs reputation. Decline salvage may pick up a 5% approval rate but there will be a near-term consequence of lower approval rates on that same MID for new transactions.

If you are using Ethoca or Verifi for alerts, it will be important to explore configurations because there is a tradeoff between how issuer’s algorithms will treat your MID reputation when alerts help boost your refund rate into ranges that an issuer’s algorithm will consider problematic.

MID reputation management is key – the goal then is not just to improve an individual MID’s performance, load up on “good MIDs”, or to attempt some sort of gamification of an individual issuer algorithm – but to actually make sure our entire MID portfolio is balanced with the right MIDs that will improve performance on an issuer-by-issuer, reputationally sound basis. Card Insight works to solve this problem – get the most out of your current portfolio, understand where gaps may be with issuer reputation (if they exist) and find the right ways to plug those gaps as soon as possible.