Skip to content
UniPayGateway
  • Why UniPay?
    • Merchant
    • ISO
    • Software Provider
    • Billing Company
    • Collections Company
  • Payment Solution
    • Payments as Service
    • White Label Gateway
    • On-Premises Solution
    • EMV Terminal Solutions
    • PayFac Model
  • Pricing
  • Services
    • Legacy System Replacement
    • Processing Consolidation
    • Payment Ecosystem Landscaping
    • PayFac Implementation
    • EMV Implementation
  • Webinars
  • Resource Hub
    • Trending Articles
    • Guides
    • Press Releases
    • Payment Advice
    • Infographics
    • Expert Consultation
    • UniPay Modules
    • Video Guides
    • FAQ
Demo
Home UniPay Gateway Payment Advice Credit card batch processing optimization
Share

Optimization of Credit Cards Batch Processing

Credit Cards Batch Processing

What are the options for a merchant when a batch of transactions gets declined? How can a business improve transaction approval rates? How can a merchant avoid unnecessary per-transaction processing costs? Why is it preferable to aggregate charges coming from the same merchant on a customer’s bank statement?

The article on credit card batch processing optimization provides answers to these (and other) questions. The article describes several approaches meant to boost transaction approval rates. These approaches are particularly relevant for the types of payment where batch transaction processing is preferable:  recurring billing and bill payment. Credit card batch processing optimization techniques explained in the article are account number aggregation and transaction optimization.

Account number aggregation concept is as follows: if an incoming batch of transactions includes several transactions bearing the same account number, these transactions are united into a single transaction. Firstly, aggregation is done in order to reduce per-transaction processing fees the merchant has to pay. Secondly, aggregation allows to consolidate respective charges on cardholder’s statement.

Account number aggregation reduces the probability of collecting on some accounts. That is why the approach is more frequently used on files containing original (and not repeated) collection attempts.

To ensure higher chances of collecting another credit card batch processing optimization approach is used. It is, sometimes, called transaction optimization or account number optimization. The concept is as follows: if an incoming batch of transactions (which have been declined) includes several transactions bearing the same account number, the transaction with the smallest amount is resubmitted first. If it comes through, all other transactions with this account number can be reattempted. In the case when the smallest-amount transaction doesn’t get approved, no further reattempts for this account number are performed.

Under the second approach, the merchant can avoid unnecessary per-transaction processing costs resulting from pointless resubmissions. Transaction optimization is more frequently used on files, containing previously declined transactions.

Question
Question?

Let us help you envision UniPay as part of your business

Request Demo

Our Blog
Our Blog

For expert payment advice, please visit our blog at Paylosophy.com

Visit Paylosophy

With UniPay, you have the options of a flexible "payment as a service" model, an affordable white-label payment gateway solution, or a full on-premise software license, which ensure the top-quality payment processing experience for businesses of any size.

Payments as a service

White Label Payment Gateway

On-Premises Pricing Model

EMV terminal solutions

PayFac Model

Request Demo

Our Services

  • Legacy System Replacement
  • Processing Consolidation
  • Payment Ecosystem Landscaping
  • PayFac Implementation
  • EMV Implementation

Who Are You?

  • Merchant
  • ISO
  • Software Provider
  • Billing Company
  • Collections Company

Social Media

  • Paylosophy
  • Facebook
  • Twitter
  • YouTube

Copyright © 2023 United Thinkers LLC

All Rights Reserved | Privacy Policy

All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only.