The New Landscape of Payments: The Merits of Pre-Authorization Risk Assessment

On-Demand Webinar

Card-Not-Present (CNP) authorization rates impact nearly every participant in the payment ecosystem. Legitimate customers suffer and lose trust in the ecosystem when you falsely decline their transactions. Merchants lose the lifetime revenue of customers who churn and decide not to shop with them. Card issuers risk having their cards put in the bottom of the stack of credit cards. Payment processors could lose merchants if they are likely to get better authorization rates with other processors. Card networks risk losing out to credit card alternatives, including digital wallets.

We recommend several practical methods for improving authorization rates, emphasizing on the importance of using data for assessing risk before authorization. Several companies are utilizing these methods already and seeing the benefits.

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Alvaro Peon-Sanchez | Ekata

Director of Product Management

Alvaro has worked in the tech industry for 15 years within a variety of areas including business intelligence, cloud platforms, and consumer and enterprise products. This led him to understand the many areas needed to successfully address today’s fraud issues. He currently oversees the API, Web and Identity Data teams. Alvaro has been part of Ekata (formerly Whitepages) since 2017. He is passionate about growing the business by delivering products that will help solve customers’ problems.

Doug Fennig | Ekata

Payment Risk Solutions Manager

Doug supports Ekata’s payment, banking, and fintech initiatives. He works closely with some of Ekata’s most strategic accounts and partners, including payment service providers, banks, and risk platforms. His goal is to help businesses maximize the value of dynamic identity data in global fraud prevention efforts. His knowledge of payments risk, especially in the context of machine learning, has allowed him to effectively consult enterprise-grade organizations on how to better improve conversion rates and detect fraud. Doug holds a Bachelor of Arts degree from Knox College, and worked in the healthcare diagnostics industry before Ekata. In his free time, Doug enjoys playing saxophone, brewing beer, and experiencing all the Pacific Northwest has to offer.

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