Evaluating a Payments Partner on Approval Rates False Declines and Resilience

Every RFP evaluates price, features, and integration effort. Almost none evaluate the performance a merchant actually inherits: the partner's approval rates, their false declines, their retry logic, and what happens to your revenue when they go down. Choose the wrong partner and you don't just get a different price – you get their decline performance, their routing decisions, and their downtime as your new baseline.


This session reframes the payments RFP as a performance and resilience exercise. We'll walk through how to evaluate providers on the metrics that actually move a merchant's P&L: approval rates and false declines, retry and routing logic across a multi-provider stack, and the failover and redundancy that keep you processing when a provider goes down. Attendees leave with a practical scorecard they can apply to any provider – a repeatable way to surface decline and resilience weaknesses during evaluation, not after go-live.

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