Jack
May 15, 2023
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Mid Reputation

Mid Reputation https://cardinsight.com/wp-content/themes/movedo/images/empty/thumbnail.jpg 150 150 Jack Jack https://secure.gravatar.com/avatar/6ae38a574dad74ba8042769a5c8644d849c115337519bf74361693238c9a1b97?s=96&d=mm&r=g May 15, 2023 September 30, 2026

Your MID’s reputation begins even before you run a transaction

Credit card issuers (Chase, Wells Fargo, BofA, Citi, etc) evaluate hundreds of pieces of information to create their unique algorithms that may or may not approve a transaction, therefore…

The dynamics that form a MIDs reputation include, but are not limited too:

Traffic source and quality
The time of day/night a transaction attempt is run
The MCC code associated with that MID
The acquiring bank bin, from where the MID originated
Are monthly chargeback amounts and percentages consistent with like-MIDs
Are refund rates consistent with like-MIDs
Are the frequency of declined transactions excessive for like-MIDs

The MIDs’ reputation is impacted, by any and all of these aforementioned events, in the eye of the issuers’ algorithms.

If you want to learn more about your MIDs’ reputation, and how to dramatically improve your approval rates, call us:

Let's Talk

Schedule some time with our team or reach out directly to Stan Feinberg

(415) 760-2711 | [email protected] | TG: @StanFeinberg

Jack
March 29, 2023
No Comments

Decline Salvage : Rebills

Decline Salvage : Rebills https://cardinsight.com/wp-content/uploads/2023/03/decline-salvage.png 1280 720 Jack Jack https://secure.gravatar.com/avatar/6ae38a574dad74ba8042769a5c8644d849c115337519bf74361693238c9a1b97?s=96&d=mm&r=g March 29, 2023 September 30, 2026

Decline Salvage??
4 things you have to know to protect approval rates.

^{Nick Jesson explains Rebill Decline Salvage at Transaction Summit earlier this year in Salt Lake City.}

Here is a short clip from our deep dive at Transaction Summit earlier this year.

Let’s talk about Decline Salvage and 4 things you have to know to protect approval rates.

#1 Declines from Decline Salvage could hurt MID reputation

#2 Do not use any MID you need for your hero transactions on decline salvage

#3 The acquirer you use for the first attempt is important, after that, it doesn’t matter

#4 Doesn’t matter the MID/Bank, your 2nd attempt has a 75% chance of decline

If you want to know more about MID reputation, hero transactions, empirical data on approval rates by attempt, schedule some time with our team

With a focus on approval rate, we have been able to see astounding client success on both initial and rebill transactions. Though each scenario is different, gains have been in at least the 5-10% range, with a literal doubling of approval rate and many clients experiencing gains of 20-30% or more. Most importantly, we have been able to demystify the approval rate problem into a series of clear processes, analyses, and dashboards to understand exactly why approval rate is suffering and what can be done about it.

Want to know more?

Let’s Talk