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  • How to identify payment retries using SQL

    When a payment fails, it almost never ends there. Merchants retry. PSPs retry. Authorisers retry. And sometimes all three do it simultaneously — without knowing the others are doing the same. If an authoriser retries and the transaction succeeds, the analyst at the PSP may never know. If the PSP reroutes to a backup processor,…

  • Refund Authorization 101: How It Works, Why It Matters, and What Merchants Must Know

    Did you know that consumers return about 20% of the products they purchase online? Online return rates have significantly increased over the years, and they’re especially high compared to in-store purchases. In fact, online return rates are often two to three times higher than digital (in-store) return rates. According to research from Capital One, in…