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The payments industry is evolving rapidly – but one thing hasn’t changed: merchants and issuers still don’t talk enough. And that’s a problem. By working together, merchants and issuers can reduce false declines, improve approval rates, and deliver a smoother payment experience to their customers. Here are five key areas where collaboration can make a … Read more

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, … Read more

The banking world is rapidly shifting toward fee-free overdraft programs, following the lead of neobanks like Chime SpotMe and Capital One’s No-Fee Overdraft. These programs allow customers to complete transactions even when their accounts have insufficient funds—without incurring overdraft fees. Several banks have adopted fee-free overdraft models, including PNC’s Low Cash Mode, Huntington Bank’s Standby … Read more

The challenge: NSF (Non-Sufficient Funds) declines are a persistent issue for card issuers, with industry data showing that 60% of failed payments occur due to insufficient funds. These declines contribute to billions in lost transaction volume annually, reducing interchange revenue and damaging customer relationships. In addition to revenue loss, issuers face increased customer frustration and … Read more

Declined transactions frustrate cardholders and issuers alike. For issuers, managing declines strategically can improve approval rates, reduce friction, and enhance customer trust. Decline codes are responses from the card issuer or payment processor indicating why a transaction was unsuccessful. These codes typically fall into three main categories: soft declines, hard declines, and issuer-specific declines. For … Read more

In our recent webinar, Nathan Joel, Head of Sales, shared how issuers can stay top-of-wallet in 2025. The focus? Three key pillars: Personalization, Partnerships, and Trust. These pillars are essential for issuers looking to reduce declines, optimize authorization rates, and build stronger customer relationships. 1. Personalization: Driving Cardholder Preference Consumers demand seamless and personalized payment … Read more