Merchants often ask about Kipp’s value proposition. Here’s a simple breakdown of how we help prevent NSF declines and drive more revenue.
The pain point
NSF (non-sufficient funds) card declines are one of the biggest challenges for merchants. These declines don’t just mean lost transactions – they result in wasted marketing spend, abandoned shopping carts, and frustrated customers. Merchants invest heavily in attracting shoppers to their websites, only to see those efforts undone by a preventable payment failure. The result? Declines damage customer trust, reduce retention, and ultimately impact long-term revenue. In some cases, a single failed transaction can cost not just one sale, but an entire customer relationship. At Kipp, we solve this problem by connecting merchants and card issuers in real time, preventing NSF declines before they happen. This ensures a seamless, reliable payment experience for customers while helping merchants retain revenue and trust.
Top Benefits for Merchants
Increase Approvals & Revenue
- Conversion Uplift: Experience higher transaction success rates by ensuring more payments are approved.
- Increase Transaction Volume: By paying issuers a premium, merchants can avoid NSF declines and win more transactions.
- Maximize Customer Acquisition Efforts: Merchants only incur fees on transactions that would have been declined, ensuring cost-efficiency while maximizing approvals.
Seamless Customer Experience
- Avoid the Decline: Ensure more purchases are approved the first time, without relying on post-decline recovery flows or third-party retry mechanisms.
- Enhance Customer Experience: No more embarrassing declines. Customers enjoy a smoother payment process, which builds trust and encourages repeat business.
How Kipp Works
Kipp connects merchants with card issuers in real time to prevent NSF declines. Before an NSF decline happens, the card issuer sends an API request to Kipp. If the merchant agrees to pay a predefined premium, the issuer approves the transaction instead of declining it – ensuring a seamless payment experience for the customer. Want to see how it works in action? Visit our Technology Page to dive deeper into Kipp’s real-time solution and schedule a demo.
The Takeaway
Kipp turns declines into approvals, increasing transaction success rates, boosting revenue, and enhancing the overall customer payment experience. If NSF declines are costing your business, it’s time to explore how Kipp can help. Let’s talk!
