Gateway and descriptor tuning
AVS/CVV thresholds, velocity rules and a recognizable billing descriptor so approvals rise and 'I don't recognize this charge' disputes fall.
Payment ProcessingOnline & recurring
Approvals up, chargebacks down, same traffic
We tune gateway rules, AVS and CVV thresholds and billing descriptors so legitimate orders clear and disputes drop. Add dunning on failed rebills and represented chargebacks and the same volume gets meaningfully more profitable without touching your funnel.
- Target dispute ratio
- <0.9%
- Load-balanced redundancy
- Multi-MID
- Card-on-file vaulting
- Tokenized
Target dispute ratio
Load-balanced redundancy
Card-on-file vaulting
What we hear
The problems e-commerce & subscription owners actually call about
- Good orders declined by rules nobody has reviewed in years
- Chargeback ratio creeping toward the monitoring threshold
- Failed rebills silently churning subscribers
- A high-risk MID that could disappear with 30 days' notice
How we fix it
Recurring billing with dunning
Tokenized card-on-file, automatic retries, card updater and customer notifications that recover rebills you're currently losing.
Payment ProcessingHigh-risk placement and redundancy
Multiple MIDs with load balancing across sponsor banks that write your vertical on purpose, so one review never takes you offline.
High Risk"Our chargeback ratio was killing us. They restructured our descriptors and gateway rules and we dropped under threshold in one cycle."
Sam O.
COO, subscription e-commerce brand
Questions
E-commerce & Subscription FAQs
Do we have to change platforms?
No. We work with the major gateways and cart plugins, so in most cases this is a configuration and underwriting change, not a rebuild.
What counts as high risk?
Hemp and CBD, nutraceuticals, firearms, travel, credit repair, adult and some subscription models. We place those files with banks that underwrite them intentionally.
Related industries
No obligation
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