5 ways to raise your payment approval rate

Even the same card can have very different approval rates depending on how you use it. Just these five can cut a lot of unnecessary declines.

1. Pick the right BIN for the platform

Different BINs pass better on different platforms. Choose a BIN that fits the use case and reuse the ones that approve well.

2. Match billing details

Keep the name and address on the card the same as what you enter on the payment page to reduce declines.

3. Keep enough wallet balance

Payments are deducted from your wallet. If the balance is short, the payment is declined, so keep a little more than the amount due.

4. Use 3D Secure cards

3DS-supported BINs add a verification step that raises both approval rate and security.

5. Start new cards small

Activate a newly issued card with a small payment first, then increase the amount, it lowers the decline risk.