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Non-sufficient funds (NSF) declines remain a persistent issue for card issuers, despite better analytics, improved tools, and the growing use of shadow limits. Every NSF decline is a missed opportunity: for revenue and for cardholder satisfaction.   The Real Cost of NSF Declines When a card is declined due to insufficient funds, the cost isn’t … Read more

Acquirers today face shrinking spreads, rising competition, and merchants demanding more flexible, smarter payment solutions. To stay ahead, acquirers must maximize every transaction opportunity and protect their revenue streams. Here are four strategies to boost revenue and strengthen margins: Accept More Payment Methods Offering a wide range of payment options, digital wallets, buy-now-pay-later, and local … Read more

Understanding NSF Declines NSF declines happen when a customer’s account lacks the necessary funds to complete a transaction. While this might seem straightforward, the implications are far-reaching. Industry data indicates that 60% of failed payments occur due to insufficient funds, contributing to billions in lost transaction volume annually. Consider a scenario where a customer attempts … Read more

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