SPECIALIST PAYMENT AUTHORIZATION CONSULTANCY
Flawless Transactions. Every Time.
We help issuers, acquirers, processors, and merchants of all sizes raise approval rates, reduce false declines, and harden payment flows across VisaNet and beyond.
Cardholder transactions need to work, flawlessly
PAE works with issuers, acquirers, processors, and merchants to untangle noisy authorization signals and convert them into a resilient, measurable flow — from message fields and routing all the way through stand‑in processing and risk-related strategies.
Authorization health, quantified
Baseline today’s flows — approvals, declines, and everything in between.
- Clear taxonomy for issuer, network, and merchant declines
- Visibility into message field usage (and gaps)
- Actionable playbook in weeks, not quarters
Resilient routing & STIP
Design for when things go wrong — without sacrificing performance.
- STIP policies that respect risk, cardholder experience, and issuer expectations
- Retry strategy that avoids “thrash” on the network
- Controls to protect against runaway stand‑in behavior