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Each year, merchants across the U.S. lose out on hundreds of billions in potential revenue. Not from fraud. Not from chargebacks. But from something far more ordinary: declined card transactions due to insufficient funds (NSF). These declines are often treated as dead ends. The logic seems simple, if a card is declined for lack of … Read more

NSF (insufficient funds) is the #1 reason for card declines worldwide. More than 50% of failed payments come from NSF, draining billions in revenue every year. For subscription merchants, the stakes are even higher: a failed renewal can quickly turn into churn, causing the end of a customer relationship. Chasing payments after a decline When … Read more

NSF (insufficient funds) declines cost issuers more than a single lost transaction. They erode customer trust, reduce interchange revenue, and increase the likelihood of future payment failures. In today’s competitive payments market, issuers need smarter ways to avoid declines and protect customer relationships. Kipp’s infrastructure layer enables issuers to approve the right NSF transactions. To … Read more

Every payment decision involves a critical consideration of trade-offs. Merchants must weigh the investment required to achieve higher approval rates against the potential revenue loss from declines. For merchants, effectively managing this balance is essential for success. The Impact of Payment Declines A payment decline extends far beyond the immediate loss of a single sale. … Read more

A great cardholder experience can decide whether a customer stays loyal or churns.  Capgemini Research reports that 73% of customers feel indifferent or dissatisfied with their current card experience. That kind of disengagement puts long-term loyalty at risk. According to a recent FICO survey, 88% of bank customers say customer experience matters as much as or … Read more

Subscription businesses are growing fast, with the global market expected to reach $1.5 trillion by 2025. But growth doesn’t guarantee retention. One major threat is failed payments. According to PYMNTS, 50% of subscription cancellations are caused by failed card transactions. Recurly estimates that involuntary churn could cost subscription companies over $129 billion in 2025. These … Read more