Payments Optimisation

Card Authorisation Best Practices

As digital commerce increases the speed and volume of card payments, it can be challenging for merchants to maintain high authorisation approval rates while controlling processing costs, complying with payment brand rules and safeguarding against fraud. The authorisation process authenticates credit or debit cards and confirms an account’s capacity to fund a transaction. Awareness and adoption of authorisation best practices can improve approval rates by eliminating factors that lead to declines and optimising the submission of authorisation requests.

Maintaining the highest possible authorisation approval rate for e-commerce payments

In a store, when a card payment is declined, a customer may simply use a different card or pay with cash to complete a sale. That’s not an option for e-commerce businesses that keep customers’ payment card details on file to facilitate pay-as-you-go and recurring payments. In such environments, monitoring and measuring authorisation approval rates can help protect revenue and provide continuity to customer relationships.

The authorisation approval process is designed to create an efficient, secure and predictable digital payment experience. By adopting authorisation processing best practices, merchants can maintain the proper balance between revenue optimisation and fraud protection. This is especially pertinent, given the EU’s payment directive PSD2, which requires European merchants to maintain awareness of fraud rates and apply fraud prevention measures to increase the security of payments in the EU.

As both a transaction acquirer and a card issuer, J.P. Morgan is uniquely positioned to help our clients improve authorisation performance. In 2018, Chase cardholders used their credit and debit cards to spend more than $1 trillion on goods and services.1 At the same time, J.P. Morgan helped merchants authorise $1.36 trillion in card payments.2 Our digital payments scale and expertise help more than 1.6 million businesses — including 80 percent of Fortune 500 companies — optimise, grow and protect revenue.3


Six best practices that improve
authorisation approval rates

  • Use Account Updater services to remove expired card-on-file details.

  • Submit authorisation requests on the optimal day of week and time of day.

  • Always transmit accurate and complete authorisation data.

  • Respond quickly to issuers that require non-standard authorisation data.

  • Ensure your authorisation retry strategy protects net revenue.

  • Identify opportunities to submit authorisation requests across merchant category codes.


To learn more about our authorisation optimisation strategies and other ways we help merchants manage risk, cost and complexity, contact your J.P. Morgan representative.

1. 2018 JPMorgan Chase & Co. annual report
2. 2018 JPMorgan Chase & Co. annual report
3. 2018 JPMorgan Chase & Co. annual report

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Contact us if you require advice, help or support.

Existing Merchant Service Customers

If you have a technical issue or a question about your merchant account, please call your Relationship Manager directly.
Alternatively, call our merchant support team on:

For Europe: +353 1 726 2909     UK: 0845 399 1130

Further information is available at any time through your Paymentech Online account.


Out of Courts Complaints and Redress Procedures

  1. Paymentech has in place complaint resolution procedures to settle complaints of Merchants arising from their rights and obligations under Parts 3 and 4 of the Payment Services Regulations 2018.
  2. If you have a complaint, please contact your Relationship Manager. Your complaint will be addressed in accordance with CPEL complaint policy, which we are happy to provide upon request.
  3. Alternatively, in the event of a complaint, a Merchant may refer the matter to the Irish Financial Services and Pensions Ombudsman or such relevant out-of-court complaint body or to such other competent out-of-court complaint body applicable to you in the country where you are established.
  4. You can contact the Financial Services and Pensions Ombudsman at:

Lincoln House,
Lincoln Place,
Dublin 2,
D02 VH29,
Tel: + 353 1 567 7000