Subscription businesses, SaaS platforms, and recurring billers use SIGNAL scores to reduce false declines, recover involuntary churn, and approve the customers they'd otherwise lose.
Query SIGNAL before submitting a charge. Use the score to decide whether to proceed, retry, or flag for review. Sub-50ms latency means no impact to your payment flow.
When a charge is declined, use SIGNAL data to determine optimal retry timing and channel. Stop retrying dead cards — focus retries where behavioral signals show the customer is still active.
Blend SIGNAL behavioral scores with your existing fraud and credit models for a fuller picture. SIGNAL complements — not replaces — your current risk infrastructure.
SIGNAL Alliance offers multiple integration paths to fit your existing payment stack and technical capabilities.
A SIGNAL score reflects a cardholder's recent everyday spending activity — grocery, fuel, pharmacy, convenience store. High recent activity indicates the card is active and the customer is financially engaged.
A score of 700+ means we've seen the card used at least 3 times in the past 14 days. Use this signal to approve customers your issuer would otherwise decline.
Whether you're a retailer or a biller, SIGNAL Alliance has a path for you.
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