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Why Success Rate Isn’t the Same as Authorization Rate And Why It Matters

Why Success Rate Isn’t the Same as Authorization Rate And Why It Matters

by PayShield | Sep 29, 2025 | Uncategorized

Authorization rate is frequently used as a stand-in for overall performance in the payments sector. However, as many merchants and PSPs have discovered the hard way, a high authorization rate does not guarantee a successful payment. The success rate, the quantity of...
Is 3D Secure Enough in 2025? Where It Fits in a Multi-Layered Defence

Is 3D Secure Enough in 2025? Where It Fits in a Multi-Layered Defence

by PayShield | Sep 29, 2025 | Uncategorized

3D Secure (3DS) has been at the forefront of online payment security for more than 20 years, developing through multiple iterations, currently at 3D Secure 2.2 to satisfy the needs of cross-device authentication, whilst providing a seamless checkout experience. By...
Stopping Virtual Chargebacks in SaaS and Subscriptions

Stopping Virtual Chargebacks in SaaS and Subscriptions

by PayShield | Aug 21, 2025 | Uncategorized

Why Virtual Businesses Face Unique Chargeback Pressure Software as a Service (SaaS) platforms and subscription service providers are among the digital distribution companies that are more vulnerable to chargebacks in 2025. These services...
Friendly Fraud Is Fuelling Chargeback Chaos in 2025: How to Spot It and Stop It

Friendly Fraud Is Fuelling Chargeback Chaos in 2025: How to Spot It and Stop It

by PayShield | Jul 28, 2025 | Uncategorized

According to Mastercard (Mastercard’s State of Chargebacks 2025 Report), friendly fraud is currently becoming a hidden crisis in 2025, making up over 45% of all chargebacks, despite advancements in fraud prevention. Friendly...
TC40 Data Explained: Why Fraud Signals You Can’t See Are Hurting Your Risk Profile in 2025

TC40 Data Explained: Why Fraud Signals You Can’t See Are Hurting Your Risk Profile in 2025

by PayShield | Jul 16, 2025 | Uncategorized

Although the importance of TC40 data has increased in 2025, many merchants and even some payment aggregators are still unaware of its full purpose. When a transaction is reported as fraudulent, issuers file TC40 reports, but the merchant and other payment stakeholders...
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