Payment Acceptance Intelligence Platform
Recover Revenue Lost to Declined Payments
Identify hidden payment optimization opportunities and recover additional revenue through approval rate improvements, retry optimization, tokenization, 3DS tuning, and payment flow analysis.
Independent approval rate audits by specialists with 15+ years of experience in card payments, acquiring and payment performance optimization.
Revenue impact
Every Declined Payment Is Lost Revenue
Small improvements in payment acceptance can translate into significant revenue gains.
ineffective retry logic
missing network tokenization
unnecessary 3DS friction
recurring payment setup issues
issuer-specific decline patterns
Lost revenue calculator
Estimated Additional Revenue Opportunity
A merchant processing €10M/month may recover substantial revenue through payment optimization.
Audit methodology
View Audit Methodology
Secure collection of exported and masked transaction data.
Review of approval rates, decline patterns, 3DS performance, network token adoption, retry strategy, and COF / MIT implementation.
Identification of revenue leakage, approval rate gaps, issuer-related issues, authentication friction, and payment routing opportunities.
Prioritized action plan including quick wins, medium-term improvements, and strategic initiatives.
Delivery of the final audit report, findings summary, recommended actions, and review discussion.
Data requirements
Data Requirements
No PCI or personal data required. We do not need full card numbers, cardholder names, CVV, emails, phone numbers, billing addresses, or any other personal / PCI-sensitive data.
Accepted formats
- CSV
- Excel
- Database export
Do NOT send
- Full PAN
- CVV / CVC
- Cardholder Name
- Phone
- Billing Address
- Any personal data
- Any PCI-sensitive authentication data
ApprovalRate.io performs analysis using masked transaction exports only.
Minimum fields
Transaction Information
- Transaction Date
- Amount
- Currency
- Merchant Country
- MCC
Payment Information
- Scheme
- BIN / IIN (first 6-8 digits only)
- Issuer Country
Authorization Information
- Response Code
- Approval Result
Recommended fields
Authentication & Entry
- POS Entry Mode
- ECI
- 3DS Version
- 3DS Result
Tokenization & Recurring
- Tokenized / Non-Tokenized
- CIT / MIT Indicator
- Recurring Indicator
- Wallet Type
Issuer Response Detail
- Advice Code
- AVS Result
- CVV Result
Not all fields are required. Audit scope will be adjusted based on available transaction data.
If you already have scheme/acquirer authorization logs, we can map fields such as response code, POS entry mode, ECI, 3DS result, tokenization indicators, CIT/MIT flags, advice codes, AVS/CVV results, and wallet indicators.
Solutions
Focused payment performance assessments.
Every audit is tailored to the merchant, PSP or acquirer business model and available transaction data.
Services
Choose the payment performance assessment that matches your needs.
Approval Rate Audit
Starting from €999Independent expert assessment of payment performance, authorization declines and revenue recovery opportunities.
- Approval rate review
- Decline code analysis
- Retry assessment
- 3DS review
- Tokenization review
- Issuer decline review
- Written recommendations
- Review call
Coming Soon
Automated Approval Rate Health Check
Automated payment performance monitoring and approval rate optimization insights.
- Automated transaction analysis
- Approval rate benchmarking
- Recurring monitoring
- Monthly recommendations
- Portfolio tracking
- Performance alerts
All audits begin with a scope review to confirm available data, business model and expected analysis areas before payment.
Engagement process
How Engagement Works
Every engagement begins with a scope review to confirm data availability, audit objectives, and expected analysis areas.
Submit your contact details.
Confirm objectives and available data.
Agree audit scope and pricing.
Start the engagement after scope and commercial terms are confirmed.
Share masked transaction exports.
Receive findings and recommendations.
Guarantee
No Findings? No Fee.
If we do not identify meaningful and actionable payment optimization opportunities, the audit fee is refunded.
Approval rate improvements depend on implementation, issuer behavior, customer traffic, fraud controls and business model. Results cannot be guaranteed.
Why ApprovalRate.io
Structured payment analysis for revenue recovery.
ApprovalRate.io combines structured payment analysis with industry best practices to identify revenue recovery opportunities.
authorization performance
tokenization
recurring payments
issuer behavior
retry optimization
3DS optimization
Founder Expertise
Built by Specialists in Card Payments and Approval Optimization
ApprovalRate.io was created by payment professionals with 15+ years of experience across card processing, acquiring, payment schemes, tokenization, authentication, recurring payments and authorization performance optimization.
We help merchants, PSPs and acquirers identify hidden approval rate opportunities using practical transaction analysis and industry best practices.
15+ Years in Card Payments
Acquiring & PSP Expertise
Scheme-Level Knowledge
Tokenization / 3DS / COF-MIT
Coming Soon
Automated Approval Rate Health Check
Upload payment data and receive an automated assessment covering decline analysis, approval benchmarks, tokenization opportunities, recurring payment review and an optimization score.
Request audit
Request Approval Rate Audit
Submit your contact details. We will contact you shortly with instructions for securely sharing a sample payment export.