The payments industry loses over $443 billion annually to false declines — legitimate transactions rejected by issuers acting on incomplete data. SIGNAL Alliance gives you the intelligence to fight back.
The current authorization model relies on issuer-side heuristics — velocity rules, location flags, and balance estimates — that have no visibility into a cardholder's actual spending behavior.
A customer who buys groceries every day but hasn't used their subscription card recently looks risky to an issuer. They're not. SIGNAL fixes that.
Issuer sees: unfamiliar merchant, no recent CNP activity → DECLINE. Customer assumes the service is broken. Churn probability increases 4.5×.
SIGNAL shows: card active 6× in last 14 days → high-confidence approval signal → APPROVE or smart retry. Customer never knows anything happened.
Typical members see 15–35% reduction in false declines within 60 days of integration. Results vary by business model, card mix, and billing cycle.
Re-engage customers who would have canceled due to failed payments. Every recovered payment prevents a churn event worth months of lifetime value.
Know when and how to retry — not just whether to. SIGNAL behavioral data tells you if a card is active, when it was last used, and how often — giving you the right retry timing.
Whether you're a retailer or a biller, SIGNAL Alliance has a path for you.
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