About this event
Good Customers, Bad Outcomes: Why legitimate payments don't always get approved and how to change the pattern.
Every declined payment represents lost revenue, but in most cases, it isn’t fraud, insufficient funds, or an expired card. It’s a legitimate transaction that failed because, to the issuer, something didn’t quite add up.
Banks make approval decisions in milliseconds, using risk models designed to default to caution. When payment data is incomplete, context is missing, or signals don’t align — whether due to metadata gaps, routing choices, or authentication inconsistencies — even good customers can look risky. At scale, those small gaps quietly translate into lower authorization rates and preventable revenue loss.
In this session, Revaly CEO Darryl Hicks and VP of Innovation Jeff Pauletto break down what banks actually evaluate when they approve or decline a payment and why understanding the issuer's perspective is the fastest path to improving authorization rates and recapturing revenue that slips through.
You'll learn:
- Which signals issuers weigh most heavily in authorization decisions
- Where the data gaps typically hide in recurring billing environments
- How to align your payment data with issuer expectations to reduce false declines
- What's shifting in 2026 and how to stay ahead of evolving risk thresholds
Whether you're in payments, revenue operations, or finance, this is the issuer-side context most subscription businesses never see.
