Authorization Rate Optimization

Q: How does Signifyd improve authorization rates without increasing fraud risk?

Signifyd has developed a fraud detection machine learning solution that leverages data from our industry-leading Signifyd Commerce Network to filter out fraudulent transactions before they are sent to issuing banks for approval.

Q: Which issuing banks partner with Signifyd?

Signifyd has partnered with 5 of the top 10 credit card issuers and issuer processors, building a partner ecosystem that includes Capital One, Discover, Synchrony, and many more. 25% of all U.S. credit transactions are covered by Signifyd.

Q: How does the model keep improving over time?

Signifyd continuously captures and processes data through its industry-leading Signifyd Commerce Network, the world’s largest network of ecommerce merchants, and uses it to refine our fraud detection algorithms and ARO capabilities. Our ability to unite shopper intelligence at scale has made Signifyd a trusted ecommerce protection platform.

Q: How long does ARO implementation take?

Merchants selling on major ecommerce platforms can implement ARO in a matter of minutes by installing our ready-made plugins. For other merchants, implementation requires a single low-complexity API integration.

Use pre-authorization fraud detection powered by unmatched global commerce data to reduce false declines, improve bank authorization rates, and optimize checkout experiences that drive ecommerce growth.

Talk to Sales

Increase authorization rates and discover more revenue

Increase bank authorization rates and unlock more revenue

Signifyd’s Authorization Rate Optimization solution (ARO) filters out fraud and enables legitimate transactions with intelligence from our global Commerce Network, helping issuing banks confidently approve more orders, protect good customers, and accelerate ecommerce growth.

0^% order approval rate

Up to 0^% increase in bank
authorizations

Up to 0^% decrease in
false declines

0^% order approval rate

Up to 0^% increase in bank authorizations

Up to 0^% decrease in false declines

Improve authorization rates with trusted intelligence

Enhance issuer confidence and increase approval rates by assessing fraud risk first.
Send cleaner, verified traffic to issuing banks for faster, more accurate decisions.

Recover lost revenue by reducing false declines

Leverage our global Commerce Network to help issuing banks confidently approve legitimate transactions.
Minimize false declines, improve conversion rates and boost revenue.

Protect customer trust with every transaction

Deliver seamless checkout experiences that build loyalty and reduce churn.
Ensure legitimate transactions are recognized and approved.

How authorization rate optimization works

Pre-authorization fraud filtering that builds trust and efficiency

Pre-authorization fraud filtering that builds trust and efficiency

Every transaction is analyzed in real time using Signifyd’s machine-learning models trained on our global Commerce Network.
Fraudulent orders are intercepted before they reach your bank, reducing risk, streamlining approvals, and ensuring only trusted traffic moves forward for authorization.

Transaction data that empowers issuer decisions

Transaction data that empowers issuer decisions

Signifyd connects directly with issuing banks to provide network-level intelligence from hundreds of data points across the Signifyd Commerce Network.
This gives issuing banks deeper visibility into legitimate shopping behavior, enabling more confident, higher-value approvals.

See authorization rate optimization in action

Discover how leading merchants are increasing approval rates and revenue with Signifyd’s pre-authorization fraud detection and prevention. Watch the demo to see how real-time intelligence empowers issuing banks to approve more legitimate transactions, reduce false declines, and unlock friction-free growth.

Discover the benefits of ARO solutions

Avoid missed revenue opportunities

Authorization Rate Optimization helps you recover lost revenue by identifying trustworthy transactions before they are sent for bank approval. Deliver a seamless buying experience that keeps genuine customers coming back, without adding risk.

Reduce transaction processing costs

Stop paying for fraudulent transactions that never should’ve reached the bank. Our ARO solution filters out high-risk orders at checkout, cutting unnecessary processing fees and reducing operational overhead, so more of your revenue stays where it belongs.

Eliminate costly network penalties

Too many fraudulent chargebacks can trigger payment network penalties that cost thousands each month. With Signifyd's fraud prevention built into the bank authorization flow, you maintain compliance and safeguard your margins.

Prevent poor customer experiences

On average, 30% of consumers don't return to a merchant's online storefront after being falsely declined. ARO helps ensure legitimate transactions are consistently approved and never turned away in error. Deliver the frictionless experience shoppers expect, building trust, loyalty, and lifetime value.

GET THE DATA SHEET

Trusted by leading ecommerce merchants

Signifyd’s model works for a company like ours because we are in the public eye and need to constantly protect our guests. This ensures they can shop with us time and again, confidentthat we provide a safe and genuinely fun environment. – Dara Meath, SVP, Chief Technology Officer, Build-A-Bear
READ THE CASE STUDY
With Signifyd’s Guaranteed Fraud Protection, we have been able to open up our sales funnel – increasing approval rates and preserving customer experience all the way through checkout. – Carlo Savino, VP Americas Ecommerce, Lenovo
Having a partner like Signifyd, who can detect risky behavior and stop hackers before a fraudulent purchase is made, has been critical for us at Ferguson Home. – JAIME CECCATO, RISK TEAM LEAD, FERGUSON HOME
READ THE CASE STUDY

Join the global network of merchants and issuers working
together to eliminate false declines

Signifyd is highly flexible and adaptable to your existing technology stack and leading financial institutions.

Extend ecommerce protection and growth with Signifyd

Your fraud protection needs are just the beginning. Signifyd’s related solutions help you recover lost revenue, strengthen customer relationships, and create new opportunities for growth across the entire commerce journey.

Guaranteed Fraud Protection

Leverage insights from the world's largest merchant network to prevent fraud in real time, confidently approve transactions, and ensure fraud protection with Signifyd's Guaranteed Fraud Protection model.

Explore Guaranteed Ecommerce Fraud Protection

Account Protection

Block fraudsters while streamlining the experience for legitimate customers, reduce friction at login, protect brand integrity and eliminate ATO losses with a 100% financial guarantee.

Explore Account Protection

Return Insights

Turn return data into actionable intelligence with SKU-level and customer-segment insights that prevent fraud, return abuse and protect margins.

Explore Return Insights

Ready to unlock ecommerce growth with ARO?

Schedule a demo with us and discover how our Authorization Rate Optimization solution helps ecommerce merchants approve more legitimate transactions and deliver the best experience for valued customers while driving revenue and business growth.

Thanks for reaching out!

We will get in touch with you shortly.

Frequently asked questions

Why are authorization rates important in ecommerce business?

Authorization rates impact overall revenue capture and customer satisfaction for ecommerce merchants. A small (~1%) increase in authorization rates can increase revenue by hundreds of thousands or even millions of dollars depending on the size of the merchant. The goal of authorization rate optimization is to enable approval of as many legitimate transactions as possible while efficiently detecting and declining fraudulent orders.

Why do issuing banks decline legitimate transactions?

Issuing banks lack key transaction data and other additional context, yet must approve/decline transactions based on limited information - often just the payment details. Issuing banks generally take a conservative approach to authorizing ecommerce transactions, where the threshold of fraud suspicion required to decline a transaction is relatively low. For these reasons, issuing banks frequently decline legitimate transactions. Research has found that up to 56% of orders declined for fraud by banks are false positives.

How does Signifyd improve authorization rates without increasing fraud risk?

Which issuing banks partner with Signifyd?

How does the model keep improving over time?

How long does ARO implementation take?